While I agree with the sentiment, that part is just the time-value of money. The same is true for stocks, gold, and pretty much anything else you can invest in

While I agree with the sentiment, that part is just the time-value of money. The same is true for stocks, gold, and pretty much anything else you can invest in. In retrospect it would have been a good deal to buy AAPL for $1.50 in 2005, but what can you do. That doesn't make Apple a ponzi scheme.