So ration something out for me, as of today $5000 will buy~ 0.5 bitcoin but according to hashnest own calculator, if I spent $5000 on their pacmic 2020 contract and a year from today I would only earn 0.040 btc... so why would I buy this contract?

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P.S.
I can see that if you just use it for cash only then it is a good investment however hashnest only pays out in bitcoin, why not pay out in USDT instead?
PACMiC is easy, low risk, medium profit. You don't need to watch and trade. Your principal will be paid back in USDT and interest in BTC.