In short: Fiat-Money is a scam. Its probably the biggest scam ever. Or was that the gold-market? well not sure, but i am sure anything related to financial institutions and banks can be generally marked as "legal fraud".
Nope fiat money doesnt scam. Money for now is our currency that is stable but in the new era bitcoin will change it. It doesnt mean that it is fraud because this fiat money is legal but still bitcoin doesnt have a chance to proof it for now. May be just a couple of years or decade bitcoin will show the truth to us