@RoninRedux The "top up" description is just ChristophIV trying to find a way to describe it for you.
Consider the following situation: A player collects 185 shards for a character but chooses not to unlock it. That player then buys the hyperdrive bundle, gaining a 5-star version of that character. Then that player uses the saved up 185 shards to instantly 7-star the character. This is the sort of situation that is NOT intended by the Hyperdrive bundle, and why the Devs set it up the way they did. So the Hyperdrive bundle is set up to give that player a 5-star, and subtract all shards of that character (up to 145) to prevent players from buying instant 7-star characters.
There was a very detailed blog post, and a fairly substantial (albeit not quite as detailed) description of how it worked in-game. I know before I would spend $100 on something, I'd want to know what I'm buying.
There are some situations in which a player can waste money - for example buying 80 shards worth of a character and THEN buying the Hyperdrive afterwards. However, even if you already had every single character in the Hyperdrive at or above 5 stars, the gear alone in the hyperdrive would cost a player about $350 to purchase, and it comes included. So it's still a great bargain for players willing to buy it.