First of all as interest is paid on the first of every month and was stated in a question answered here so forget the compounding.Really do you take a person seriously that starts talking about holding the coins in the bank 8 years he is just nit picking and a coin holder here told him several times his maths were wrong.
Legitimate developers have to listen to people throw accusations about every day so enlight of this person I will only answer reasonable questions from coin holders from now on.
ps There are people out there with ulterior motives to bring this coin down but they will try my patience too far one day