I am not sure about the validity of those scam accusations on Bankera and Spectrecoin. Most of them published by very low rank users, so I can doubt about those topics' validity. Only one of four topics get merits, from @suchmoon, that maybe a good indicator. Nevertheless, I think it is not enough. If Bankera and Spectrecoin are really scam ones, those scam accusations should have received more merits from forum members. I don't defend them both, but I think you should open you own topic to accuse Bankera as a scam project, of course with your own assessement and proof of their scam activities.
In reality, the price of Bankera fell to far below its ICO price.