Absolutely, it does take a few years - but keep in mind that you can revoke your HSBI units at any time, so it's still a worthy investment. Additionally, the APRs I calculated slightly beat the native returns you'd get from regular curation + inflation, so that's a big win.
This part is only partially true. There is a refund policy in place, but it requires a 'qualifying event' which means we need to change the rules in a way that negatively affects you.
You can transfer your units to others though, by request, with a minimum of ten units, so there is a bit of an OTC market that mostly prices around ~0.50 HIVE per unit.
Understandable and this actually makes perfect sense. I actually just completed a OTC trade of HSBI so the price you mentioned appears consistent.