After reading this, I have so many questions. First, can someone please explain what is this business about "advisors" all about? I see Naval Ravikant on nearly

After reading this, I have so many questions. First, can someone please explain what is this business about "advisors" all about? I see Naval Ravikant on nearly every other coin followed by some big names. What role do they play? Second: > 5 seconds median settlement time on Stellar vs 3.5 min on Ethereum for execution and secure confirmations). It costs 1 cent to make 100,000 transactions on Stellar. How does this work? If it works something like Ripple that's not exactly a decentralised currency, is it?