Apple would not allow scams on their app store.  They have a strict review process before anyone can post an app for download. This is why people get viruses on Android phones.

I downloaded the Monaco Card app (on an iPhone) and went through the sign up process in less than 3 minutes without any problems.  Not sure why other people are complaining.

As far as the so-called "articles" claiming the Monaco team is corrupt, anyone can post junk on Steemit, Twitter or this forum without any proof of wrongdoing.  Don't believe it.