The return you receive is actually in addition to your investment (compounded) rather than a payback of your investment. If my calculations are correct, an investment of $1000 could grow by $200 or more per year. Personally I think that's pretty good. Show me a bank account that gives returns anywhere near that for such a small investment
yeah but in my bank acount I can't lose 20% of the value in 3 days
so if we assume linda price will stay the same for next 12 months (no matter what's the reason) I will stake entire year just to break even
I think a few nations would disagree (Venezuela for example) that the money in your bank is 100% safe, but yes, investing in cryptocurrencies is generally much riskier right now (depending on which nation you live in).
Of course your Linda investment may gain value too, possibly by 10-fold or more (unlike the money in your bank). All cryptocurrencies are a gamble. You can't mitigate that risk by having high staking rewards, otherwise you create an unsustainable system that will inevitably collapse. Of all the PoS coins I've studied and invested in, I think Linda's ROI is about right (if anything I think it may be slightly too high). The ROI is high enough to attract serious investors (or 'HODLers'), without flooding the network with too many new coins, and low enough to deter smaller investors or those who would only view the coin as a way to make a quick profit. Given that the coin has active development and a number of attractive features, my view is that the coin is very undervalued right now.