Not directly related to your comment, but from the linked piece:

> “A cousin of mine was a broker for people looking to invest in these pyramid schemes,” explains the CEO of Tirana Business University, Artan Hoxha (no relation). “She was advising people to put some money in scheme A, some in Scheme B. Some in Scheme C. One has high interest but is not so secure; the other has low interest but is more sound. In her mind she was building a balanced portfolio. She didn’t know they were all the same shit!”