so with steemmonsters, you get cards, which is ownership so in that way it ticks the box for investment. you can play with your cards for a long time right, so it also ticks the box of longer term, although tournaments are time bound right. I guess with steemmonsters there is some cross over from that view point
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So you can earn from daily quests and you can earn based on season rewards. Seasons normally last 2 weeks. I have never entered a tournament, but I have earned rewards in the other 2 ways.
but what are you earning? steem or cards?
You earn cards, but those cards can be sold for Steem or SBD (depending on how the buyer chooses to make the purchase).
Cards are giving as a reward (for daily quests and season rewards) because they can be used to level up. It is part of the mechanics of the game.
If people win a tournament, then other prizes are available (Steem and SBD).