You are Engla, the mother of little Johnny. One day, at Johnny's school shows up a little girl called Bjork. Bjork seems to come from a nice family, and you like her Mom, Icelandi.
One day Johnny comes home from school and says Bjork is running some kind of saving scheme, and can he put his pocket money in it? You remember some of the older kids at school doing something similar one time, so you say sure, because besides, Icelandi seems like a nice lady, and you're sure she's got her eye on it.
Johnny gives a bit of his pocket money to Bjork every month, and Bjork's little saving scheme seems to be going really well. Bjork seems a little better dressed these days, and Icelandi is driving a new car. Icelandi is always prattling on at the PTA about how clever little Bjork is.
One day, Johnny comes home in tears. Apparently Bjork showed up at school and said she'd lost track of her accounts, and she no longer had any money to give him. You ring up Icelandi, furious, and ask her to refund little Johnny's money.
"No no", says she, "I think you'll find it's all on Bjork, and not my responsibility". You note she still has her shiny car. Later that day, you find out Icelandi completely refunded Thor, Bjork's little brother, for all the money he had lost, but every other child at school also lost all their money.
Icelandi is hailed on the internet as some kind of popular hero.