> you more then likely never get more then what you paid for

They tell you beforehand exactly what the payoff will be. If that doesn't sound economical to you, you don't pay in. There's absolutely no deception here. There's no promise of riches. There's just a promise of a product that is worth what you paid for it.

> and you have a risk of loosing it all.

...which is exactly like every other investment in the history of commerce.