I'm happy the op is so casual about these misconceptions and finds them silly, can even name favourites. I've heard of Bitcoin being a financial pyramid (so, #2) from a relative, but it's not the kind of relative who can be convinced by any arguments, really, so I was irritated that he maintained this position.
In general, I like the misconceptions people have about fiat and banks more. Like how many assume fiat is backed up by something that gives it value, or how most think that the money they have in their bank accounts is actually theirs and is actually there.
I also often come across them, they say bitcoin as a pyramid scheme because fraudsters use bitcoin as the main tool to deceive others using pyramid or Ponzi schemes. and this becomes the mindset that continues to stick to them that bitcoin is the main actor and is the center of the pyramid scheme. these kinds of projects that say they are future crypto projects, but in fact they are only exploiting the ignorance of new users in the investment world or in the crypto world, many are trapped and bankrupt due to pyramid scheme investment scams.
As a new user, you have to look for information in many references so you are not easily fooled by fraudulent investments.