Your quote removed the qualifiers from what I said. What I said, in full: "I think it's possible Holmes fits your description - she was in over her head, never set out to scam anyone, and slid down a very bad path without ever intending to. I don't know this is the case, but I believe it's possible."

So, to answer your question, I don't know, which I clearly said. However, I think it is possible that Holmes was not intentionally running a scam, but allowed herself to be deluded by her own story. Again, to be clear, I do not know this is the case. I think it is possibly true. To me, this is different from Madoff, where we know he knowingly ran a scam.