You are not required to prepay for 2 years.
All our plans can be paid month by month but at a higher rate than for 2 years. 2-year prepayment is an option for you to save.
So if we'll take our profi plan as an example:
350 Mb space/ 10 Gb transfer.
If you pay month by month you'll pay $9.85
If you'll prepay for 3 months you'll pay $27.75 and your monthly cost will be $9.25 - savings $1.80
Prepay for 6 months and you'll pay $51.30. Your monthly cost will be $8.55 - savings $7.80
Prepay for 12 months and you'll pay $94.20. Your monthly cost will be $7.85 - savings $24
Prepay for 24 months and you'll pay $94.20. Your monthly cost will be $6.85 - savings $72
As for your particular questions.
1. Yes, you are right everything could happen despite the fact that we are going to last forever
But the fact is when you are prepaying for 2 years of crazy special you are saving $480 if compare to our normal. Gold plan that has 1000 Mb space.
So, on the one side you can save $480. On the other site you have risk that there could be some disaster and we'll disappear. I guess $480 is right compensations for your risks.
2. As I stated above you can save $480 from our current pricing that are not so high nowadays. Something big should happen that force prices to drop so much in 2 years. Fo those 1/5 years we are tightly involved in web hosting I had not noticed such a big trand in prices being dropping.
Also crasy special can be prepaid for 6 month ($12.85/mo), 12 months ($11.85/mo), 24months ($9.85/mo).
If for some reason you don't like our service we'll give you a partial refund basing on pro-rated period.