Well put @Stan, can't make it any easier to understand than that.
Of course a simple explanation always leads to secondary questions, such as how do I claim or access the 5% interest on the loan if I BUY HEROS? Or, what if the price of BTS stagnates (doesn't move up or down significantly as months go by)? These are valid questions, but they are SECONDARY and don't address the MAIN CONCEPTS of what the HERO promotion is trying to achieve or the ESSESNTIALS,
Your comment here PERFECTLY describes the ESSENTIALS.
Thanks for your efforts Grandad! :)