Never ever believe someone that will offer you an investment scheme that promises a huge return because those are definitely a scam. This is one of the common reasons why newbies get scammed. Scammers use crypto as the front to attract them, they use the historical growth of it to easily deceive newbies. They're quick to believe that investing into cryptocurrencies can make them rich in just a short amount of time.
It is wired because if you tell people not to do it, they would say "I am not an idiot, of course I won't believe in it", but if you keep any ponzi scheme long enough, there are tens of thousands of people who would believe in it. I have seen one with over a million people once, think about how long that has gone.
I mean it is obvious that when you have that many entries, you are going to pay people back each month, but these people kept it going for 2 years, so they paid some people multiple times what they invested, just to get a lot more people and make it look good. At that point people do fall in the trap of ponzis because they made it look legit.