FIFY

That's the nature of these schemes, to constantly be promising new things to stop people making a run on withdrawals, while those at the top skim off as much as they possibly can before the inevitable collapse of the whole wobbly structure.

Madoff was able to make it last for years because he was dealing with old-school investors who would use the telephone to communicate. Garza's mistake is in the fact that his suckers are having the facts about the scam thrown at them constantly by people who are shredding the notion of dodgy organisations being able to keep their dirty laundry secret.