great review!

however, what makes me to hesitate to invest in XLM is because they are non-financial organisation. I do understand their purposes for being a non profit -org but i wouldn't be very happy if they do more free give aways.. like, if spend 2~3k dollars and got 3~3.5k lumens now but some lucky people would get free equivalent xlm for free only because Stellar decided to do that. any opinions of that bit?