The reason for me picking this card out is that it is possibly the most useful LEGEND out of all the others that came out, and I personally love playing it in my Gengar deck
If you exile a creature that isn't a creature card with the second ability of Endless Sands (such as a token creature or a land that has become a creature), the third ability won't return that token or card from exile
Life Insurance You need a steady amount of lifegain to justify running Life Insurance, or at least a reliable plan to use all those Treasure tokens before you die to your own enchantment
Gisela, the Broken Blade and Midnight Scavengers are also a little weaker than cards you would typically see in the sorts of Cubes that support similar cards, but theres at least some appeal to them
Mind's Desire was banned merely 6 days after its release in 2003
Final Act Final Act is only printed into a couple Commander products, so I think it's being used, just not picked up by EDHREC