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".
The concept of money is not a scam, but some financial institutions are scamming with the money.
For example saying you have money and vouching for somebody's credit while not having enough funds (like the banks do) is a scam.