Pokens are backed by the profit made from the invoice transaction. In that essence they are yield and any financial institution only carries value if it provides yield. There is not an infinite supply only a supply backed by successful transactions that can then be traded for other crypto or fiat since the platform was paid by providing a service. This is invoice trading 101. This is how banks are supposed to work not that trash where Wells Fargo signs people up for loans without the person given the loan knowing about it or endless derivatives.

The benefit is you don't need to pay fees to exchange between fiats. 1 dollar is not being lended out 10 times like in fractional reserve banking you can see what happens on the blockchain. If something happens that you don't like, by all means divest.

Populous tokens are locked up in the platform for the duration of the invoice and used to purchase invoices at a discounted rate. You also have the issue of the investor not wanting to part with an asset that produces yield for them. Because of all of this I don't take your lack of an argument seriously.