Developments - two ways to choose up 5000% or down 5000%

As you can see, people are hesitant where to go. That is because the real value of the crypto at the moment is based not on the real products prepared, but on the cash flows and expectations of the greedy people (including me) that came in those market in 2017 and that are comming now. It is becomming more and more popular everywhere in the world and believe me, people who does not anything about the blockchain tech invest, since they just hear that crypto is the investment that can give you 5000% a year. Lets face it from another perspective. NEO for example has about 20-25 good projects starting arround. What is my point. When you look at some of them you can see that probably about 5-10 programmers work there. Put some staff and managers on, some servers and other equipment, as well. The average payment of an average software specialist arround the world is 50 000 - 100 000 USD a year. I BELIEVE that in China and India it is lower, correct me if I am wrong. Most of those project with all people and equipment DO NOT cost more than 10 million for the next two years. In worst case. BUT they release tokens for 25 million and even reserve the same number for them. Well, here they are already some 5 times over their expenses and on profit from the very begging, unlike a regular business would be at the start. I mean that NEO and ICOs still DO NOT have significant products working. Lets count that 25 ICO real cost is 250 million USD. Put up NEO to be 1 billion more for the opportunities and popularity it has. That makes 1,25 billion overall. Actually, think how many projects in the real world are built with 1 billion? I can tell you - they are thousands. At the same moment capytalization of NEO is 9.333 billion USD. Do you see what I mean? It is comparable to the GDP of a small country - out of many businesses and services. NEO does it with 25 ICOs with 250 people? Do not get me wrong, I invest in crypto. But nobody is talking about the real value behind. That is way people are in fear now. They are greedy for another 5000%, but the reallity is that the prices were pumped way to much in 2017, and some got filty rich and others...others do not were to go. Market never lies. It can lie for a year or two, but IF projects are not reallised it will crash to almost ZERO.
Further, lets make it clear - they say the wallet is a product, and that puts some 100 million USD to marketcap to each coin. Guys, in the era of credit cards, wallet is a must, but not a product!!!!!!!!!!!!Banks already have working wallets in the face of the credit and debit cards and tech behind for much less money. WE NEED REAL PRODUCTS!