I think you fail to appreciate the difference between an opinion unsupported by any argument and a reasoned argument. It's not okay to respond to a reasoned argument with a bare opinion and pretend that this in any way invalidates the argument.

Do you have any explanation for why, other than it being a scam, your husband is making so much money he can pay unbelievable interest rates yet doesn't have enough money to pay off his own ultra-high interest rate debt? Because the only reason the rest of us can think of is that he's scamming. If there's some other explanation, we don't know it. And all other such schemes in the past have turned out to be scams.