In your example in 2021 you outlay
CRO $84,000
CROO $52,000
In 2023 with CRO SP at 0.07
CRO: Your $84,000 is now worth $70,000 so you are down $14,000
CROO:: Your $52,000 + $25,000 to convert = $77,000 meaing you are down $7000 having outlayed a total of $7000 less than if you had bought CRO
You are still $7000 better off buying CROO than if you had bought CRO
What am I missing?
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