I'm new (3 days), and I don't even understand all of it yet, but, like you, I do understand the 2 years part. I guess I can 'somewhat' understand why they do it, but 2 years is a l-o-n-g time. From what I've seen, I do believe it will continue to take-off. However, since it's still fairly new with no track record, I'm very hesitant to put any of my money into it, which I was considering. I guess I won't make a decision to actually put any money into it until I understand it better, and see how it performs. I am more excited about Steemit than anything else I've come across online.