In my opinion she was just a figurehead, dummy but not stupid. Nobody knows the real masters of this scam and who stood behind the scene but to run such a scheme you must have big money too.
Exactly this! I'm from the same country where "Ruja" is from (Bulgaria) so there're plenty of news in our own language which no one bothers translating. My country is famous for 1 thing, that no matter how big of a scam you pull, you can always get away with it and that's exactly what Ruja did. However same as you after reading numerous of articles, I'm 98% sure that she's not the mastermind behind it but most likely her brother or someone even more influential who's standing above them and pulling the strings.