Well that explains a lot. ICO whitepapers never have detailed business plans professional and experienced VC investors are used to see. I think the reason is because ICO's are open and meant for everybody not just professional investors like you seem to be. And the truth is if they were written in a way you'd expect them to be 99% potential investors wouldn't understand them and ICO's would have hard time collecting money. And Money Rebel explains their idea very well to an average Joe, but their idea is still explained very much in detail. Maybe you shoud have opened some random ICO whitepapers to compare them.
And I wouldn't say investing in ICO's is same as donating. It's very risky that's true, but that's true for any new business no matter the way it is funded. To be honest even more than 90% of VC capital funded businesses fail within first few years of operation so it seems having professional documentation and being supported by professional investors doesn't give them much more chance of success.
And most projects in crypto market are trading at higher than their ICO price. Many of them made much more profit in some months time than I doubt any of businesses with detailed plans you've invested in have. Take a look at his table: https://www.cryptocompare.com/ico/#/completed
will bank be only in SLovenia EU? or worldwide?
Our first target is EU market. Worldwide - nevr say never.