You're right. There are 2 types of passive income in GFR coin: these are masternode (which receive 80% of the block) and POS (which receives 20% of the block).
Well, of course, its profitable to take, where 80 percent of the profits are, but it all depends on the personal budget, if finances allow, then its normal
Few people have the opportunity to risk 2 BTC for the purchase of masternode. It needs to be a very rich investor to risk such big money. For small investors, the POS staking is more suitable.