I do not think anyone has trust issues with AM or RM (both companies are legit). Everyone knows that these types of investments NEVER make the buyer a profit...only the issuer. You guys have a lower cost for maintenance, but it still will not return a positive ROI.
Not so sure. Timing is key. Some time ago I bought cloud mining contract that already returned above ROI and is still paying. However, predicting future difficulty is a very tricky task and being consistently right would probably require either crystal ball or "Back To The Future" Almanach.
As for AMhash. Buying it is similarly cost effective as buying Prismas - details varying on specific individual cases. It
could give positive ROI (though probably not that much).
From a perspective of AM shareholder situation is a bit different because buying AMhash helps AM to resurface as successful operation. So, an AM shareholder buying AMhash while retaining realistic chance to earn a few coins effectively gives AM a hand. Frankly, the last conclusion increases my personal risk tolerance.