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I agree. I think anyone would be much better off just buying their own bitcoin or crypto of their choice and they are likely to make out much better just by holding it.

Hi ... My point of mining is... What will I get if I keep my money in bank in one year compare to mining crypto in one year.... Again I will get bitcoin everyday even after ROI of appx. 8 months.... So everyday is profit after ROI.

Actually if you buy an Ethereal plan and start mining ETC instead of ETH your plan will give your a positive ROI (without considering possible increase in values of ETC). With cloud mining you need to change periodically the coin you are mining, in this way you can be sure you will get a positive ROI