Well I guess you have to take into account the people making the scam accusations. There are, for example, plenty of accusations floating around that the moon landings were faked, the earth is flat, the Queen of England is an alien lizard, etc. Some people genuinely believe nonsense, and that's one of the things that makes life interesting, albeit infuriating, I'm sure you will agree.
The problem comes when other people start to try and make mischief by furthering such nonsense for their own ends. That's reprehensible.

As an investor in Bankera I can only say that, if it is a scam, it's the strangest scam I've ever encountered.
Two years after being given all that ICO money the founders continue to answer questions in chat.bankera.com; they continue to send money to every token holder every week and they insist on building products and releasing them. Why, indeed how, do they do those things if they have, as alleged here, no staff, no offices and no money left? Occam's razor is your guide here, the simplest explanation is the most likely to be correct. They do it because they do have staff, offices and money and are working on delivering Bankera as promised.