Visible increase is not necessarily real good. An interest-bearing arrangement can appear profitable, but its lawful status, justice, and long-term moral consequences cannot be ignored. The hadith warns about usury; it does not provide a bank-balance prediction for every individual.
Before entering a financial contract, one should examine its underlying terms, not only the promised return. Lawful commercial profit and prohibited usury are not identical; their detailed legal distinctions belong to later fiqh study.
عَاقِبَتَهُ directs attention to the eventual outcome rather than the immediate outward benefit.