The whole economy is a "scam" and is destined to die.
Moreover, this also applies to any other human activity.
Things are born, grow, die. We too.
The important thing is to know how to take advantage when it's time.
If you continue to reason the same way, then our life is also a scam.
But seriously, almost everything can be used for various illegal or simply negative purposes. Paper money is a very good and useful invention of mankind. However, if paper money does not behave as it should, then they will resemble a scam. Under normal use, paper money will bring convenience and benefit to people and will contribute to the development of the state economy.