How can the so-called scam not belong to a centralized group or individual? People rush into bitcoin when they hear prices booming so they fail to do extensive research into what kind of wallet or exchanges they should deal with. If you're cautious there's almost no possibility of losing your bitcoin.
I think they should know that saving money at the bank even has the risk of being stolen, the point is being careful. you are right for 5 years I use crypto I have never experienced theft or scam, because I always secure my account and stay away from projects that smells of a scam..