Peer to peer insurance using multisig. As a hypothetical oversimplified example only (not how I would actually implement it in code);
1. I pay the insurer 1 BTC per year to insure against a loss of 5 BTC. The insurer knowingly takes on this risk in order to make the 20% annual profit.
2. If it is a "scam", then the insurer will pay the investor 5 BTC.
3. If it is honest, then the insurer will pocket a nice 20% profit.
4. Insurance will be with BTC multisig. Notice how the insurance is not in altcoin, so you are insured against altcoin collapse.

This separates the financial risk of the investment being a "scam" from the equation.

Notice how I also said the insurance will be kinda like the FDIC. You will not be insured against rise and fall of the altcoin's value. You will only be insured against a total collapse of the coin as a result of an irresponsible pump and dump. The FDIC doesn't  insure against loss of value through dollar inflation. It doesn't even insure against loss of all your money. FDIC only insures retirement funds up to $250k and other funds up to $100k. If you have 1 million dollars, and the bank goes kaput, you'll only be able to recover $100 to $250k. I will only insure investors' wallets up to a certain amount for free. If you want more insurance, open several anonymous wallets (so that no wallet is over the insured amount) or pay for additional insurance yourself.