I do not think this is a scam in terms of any criminal code. Polybius founders did not assure that market price of Polybius tokens will rise or that their bank will be profitable. They did not promise to register a bank successfully; they promised to try to register it depending on decision of regulator.
And then they, try and try and try and after all they say they fail?
Sorry to all investors, but we even dont promise!?
You can do this limitless - and there will be allways people who still believe.
If you go through everything you can see one big point - there only words!
Nothing real to show, nothing.
Dont be naive.