For me the main issue is that they have not been consistent. Model is changed, a lot of things being thrown out to the Slack community that creates mess and doubts. They released a new WP which a couple of days later was not valid anymore. The structure is now quite different and it seems that you should buy a new coin (ZUR). In my case I am holding because at current prices I already consider my money lost (so it's only upside for me and will love them succeed). I am not buying more, nor ZUR because I just can't afford to throw more money in (risk management - I never invest more in this kind of projects than I am prepared to lose). I may be FORCED even to sell some MNY because now they want to enforce some kind of COE/MNY ratio to receive dividends - which pisses me off because this was NOT on the WP. This kind of craziness is what has made the prices go deep down and they are not humor enough to admit it. I hope them to succeed but they need to start executing, not restructure again the whole model.