I wouldn't say that Bitcoin is a ponzi scheme. As you said, the owner should earn the most. Every single person here can check if anyone has moved BTC from the first addresses on which are bitcoins mined from 50 BTC blocks. I think that Bitcoin is a great technology which can destroy banks. That is why many politicians and bank owners try to discourage ordinary people from investing in Bitcoin and other cryptocurrencies. They consider is as a huge threat.