I'm assuming you are actually a troll, or maybe you haven't actually looked beyond the headline. Many "schemes" are very legitimate looking, offering modest returns. At the moment with very low bank deposit even a 10% investment fund is attractive. Also vulnerable often cannot distinguish good will from good acting by purveyors.

Just recently it has come to light that a crooked funeral fund here in Australia has been preying on indigenous people for years with no prospect on their deposits being returned