Seems to be a lot of questions here, and not a lot of answers. Let me just clear a couple of things up quick. First and foremost, Jib Life already is a working, playable game. Ben has a small group of early testers that he's been sending demoes to who are giving him feedback on everything. In the last month or so, the game's improved a ton, purely from input, and not funds.
Second, the reason the game is at the point that it's at now, is because of a couple of generous sponsorships from respectable companies. So to anyone hesitant to drop $5 bucks on a demo, you might want to give it a second thought. If companies like Camp of Champions are willing to make sizeable contributions (hesitant to give details, but trust me, its a lot more than $5), you should have the confidence to toss down some cash to get in on it too.
Finally, the way Kickstarter works, is that Ben is only getting the money if he reaches his goal by April 12th. If he doesn't no one is charged anything, and he doesn't get anything. You're only going to be charged if he is successful in reaching his goal. They do this so people don't just throw money at a lost cause. The campaign is already successful before it costs you a dime.
So all of that said, if you don't have the faith or the funds to contribute, you don't have to! But if you're trying to take advantage of a unique opportunity to get in on the creation of a video game, now's your chance. Seriously, I've heard a lot of plans for this game, and I can tell you that if this is successful, you're going to have an awesome game to play, that only gets better.
Jib Life 4 Lyfe!