Why would I steal your money if I keep 5% of the money coming from new members and 5% of the money coming from the lottery?
Right, That surely seem about a perfect excuse for people to entrust a total stranger with their money, to facilitate the most unreasonable
business no, sorry
scam model
It makes all sense, you've got nothing lose and you get to keep 5% off everyone until gullible new members stop joining, then bang! the last set of investors gets to hold the bag!