I would rather not risk my money to that degree. All it takes is some big fud to lose it all on a platform. Say bitconnect, regalcoin, salt or any of those was cracked open and exposed as a ponzi and all similar platforms become exposed by default too.
But they are still working
You are absolutely right. But if they work for more than 3 months, that is enough.
As most of the lending time is for 3 months or 100 days.
In that time, people can get quite good returns, and if they lend again, that's extreme greed, and extreme risk, in that case, they should not worry about getting scammed.