This part, somehow I always try deduce what is in the mind of the one who came out with such scheme:-

1) in their mind, present value ( cash collected ) matters more
2) the one coming out with the scheme is selling the future value ( 5~10 years) down the road. the selling on the future value comes with the risk of execution.
3) the one cashing in, I used the money already, 5~10 years later, whether make money or not , not my issue anymore.

I see similar trend for a lot of scheme, insurance, etc....after so many years, really got such return at the end of the maturity ?

You all should value the present value more than the promised future value. The only one who can make money from the future values are the bankers not the retailers.