LOL, haters gonna hate. I am always happy to talk about nfts/crypto though, so here's your explanation. the part that is locked up only earns ~20% APR. we could chose if we wanted to not stake, stake for 3mo, 6mo, 9mo, 12mo. The longer the stake the higher the bonus on return (staking for 3mo returns ~5%) i staked for 12 months but it was not a condition of receiving/using the coin. There have been unannounced bonuses in the form of additional free NFTs if you were staking. ive received ~8-12eth worth of those so far. sold some; kept most. The devs will at times take a snapshot of who's staking and can give out these nfts or other in-game bonuses.
The part that earns the "4% per week" is not locked and i can exit at anytime; so yes i can sell and convert to USDC in under a minute if i choose to. These are the liquidity pools. you take a common coin like eth or MATIC or USDC and pair it with the game's coins ($RAIDER or $AURUM). Then you can stake that pair in a pool so that people can easily trade between those coins. you get a cut of the fees from every transaction depending on how much of the pool you own. It generates more of their coin ($RAIDER) https://www.coingecko.com/en/coins/crypto-raiders continuously. so you can take that and sell it for USDC whenever you want, or hold it and speculate if the price of $RAIDER will go up or down.
anyway, this was all almost 100% free roll. i bought 35 of the game NFTs with no expectation that they were going to make their own in-game economy. all of these coins were given out to holders for free with no strings attached based on how many NFTs you owned. you could sell it all instantly or keep them. all told the nfts and coins have done 65x in value in 8 months.
I don't get why you feel a need to take the time to try and make this into a ponzi scheme. IDGAF if your stock has a dividend or not. I probably own some XOM in an IRA account. Again, invest how you want to. I have stock investments and also crypto and nfts as well. you will never get returns like this from stocks, so why not do both?
Here is another example. $LOOKS https://www.coingecko.com/en/coins/looksrare is the coin for a new nft marketplace that just started up. Think an ebay for nfts. They are trying to compete with the dominant monopoly OpenSea. So Looks Rare went and grabbed data on everyone's public wallet address that had used OpenSea in the past 6 months or so. Then gave them x amount of $LOOKS based on usage (#of buys/sells etc...) for free. Then launched their marketplace which had lower fees and also gave the fees they did charge back to the holders of $LOOKS. So that's a pretty big incentive for people to switch from using OpenSea and move to LR. The return on staking $LOOKS has been ~650% in the first month. You can unstake and sell at any time. Staking earns you more $LOOKS and also Eth. The $LOOKS autocompounds and you can withdraw the Eth bonus out whenever.
you can be Jack's mother and keep the cow. I'll take the magic beans. You do remember that the magic beans actually worked, right and that Jack ended up with the goose that laid golden eggs? maybe work on your analogies