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.
And their words are unbelievable, they only sale's talk to you so that you would belive them and after you believe and you let your money with their hands, for surely you wouldn't back your money