so if we assume linda price will stay the same for next 12 months (no matter what's the reason) I will stake entire year just to break even
Of course your Linda investment may gain value too, possibly by 10-fold or more (unlike the money in your bank). All cryptocurrencies are a gamble. You can't mitigate that risk by having high staking rewards, otherwise you create an unsustainable system that will inevitably collapse. Of all the PoS coins I've studied and invested in, I think Linda's ROI is about right (if anything I think it may be slightly too high). The ROI is high enough to attract serious investors (or 'HODLers'), without flooding the network with too many new coins, and low enough to deter smaller investors or those who would only view the coin as a way to make a quick profit. Given that the coin has active development and a number of attractive features, my view is that the coin is very undervalued right now.