There is also an amount of blame on our government and the shameful treatment of educating society. In a Capitalist driven country, as the USA is, the education system's complete lack of common sense financial literacy is a classic recipe for creating scams. I have a graduate economics degree. I seriously investigated bitcoin and crypto back in '07-'08. There is no "there" there. Cryptocurrencies use an artful abuse of financial terms with their own separate definitions in the cryptoworld. The confusion is intended and part of the scam.