DeathAndTaxes, you are trolling now. Your mathematics and reasoning ability sucks. You redo your math again and I won't waste my time to tell where you've been wrong. As I said, this business is not scalable and special. not everyone can do this and no one can do it as big as they want.
FYI, the COF.NYSE had been treated as a scam on the market years ago, as their reported default rate is unbelievably low. However, they do have their secret tricks and methods to outperform. You would had been the losers who short COF.NYSE at the bottom of its stock price when the troll flying over the Wall Street.
If someone is offering you something for nothing it is a scam, period. And as people have pointed out when something is indistinguishable from a ponzi scheme then for all intents and purposes it is one.
The fact you use "low risk" in your advertising is yet another red flag.