Friend @crypto.piotr
All your questions are totally valid,
more when you mention what your friend told you, who has experience as a banker, I tell you about the weaknesses of the ICO system
You should also be very cautious with this type of investment.
However, my grandfather always said "He who does not risk never wins, never loses." so we have to take a little risk and in this market just be prudent.
Now how would it look like if one of us would come up with some business idea, would create and launch his own token on Steem-engine and managed to attract solid investors. Some decent amount of STEEM would be raised (let’s say 100k) and it would be used to start up this business.
This question you ask yourself, I've also asked myself.
Now, undoubtedly, behind the creation of an ICO that is reliable behind, there must also be a team that generates that trust.
I hope to be able to read comments that help us to dispel your doubts and mine.
I send you a big hug and greetings from my Venezuela that fights for your freedom.