$FDUSD is not a buddy, who is buying it? It's already down to 38, mining has ended and it dropped back to 0.9986, there is a difference equivalent to 50 in between. If you buy 100,000 dollars, you will lose 500 dollars. How do we say this? If the annualized return of this coin is 185, you can still earn 500 dollars. If the annualized return is below 93, you will be losing money.
This may sound complicated, let's simplify it. Assume the annualized return over two days is 1%, investing 100,000 dollars can yield you 1,000 U of the coin.
Now let's calculate the pool, assuming a total pool of 1.2 billion, then when mining ends, you can obtain 60 coins. 1000 divided by 60 equals 16.66. Do you think this coin can reach 16.66 each? If it is 8 each, then your mining cost and wear cost have canceled each other out, and you've mined in vain.