I agree. Ultimately, if I'm paid according to the terms that were laid out, I don't see the issue. I can look down the road and see where there may well be an issue and returns on investment will approach or reach 0%, but 1) Bitconnect.co makes it clear that the interest rate is variable, and 2) you are voluntarily assuming the risk that you may not accrue any interest on your deposit. Now, if they start withholding deposits when people attempt to take them out of the system, then there will be a problem.