Question for Populous & PayPie token holders!

Populous (GB company, start Jan. 2018) and PayPie (Kanada, start March 2018). Invoice factoring with 3% - 5% monthly profit, with built insurance. Both companies are working offline in this field for many years.

Question:
Every holder of these tokens can invest them with approx. 4% monthly profit = after approx. 2 years you'll receive your invested money back and still HOLD ALL the tokens, so please WHY would anybody SELL their tokens EVER?

This is the BEST insured passive income EVER!

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