Unfortunately, these days you don't even need to have anything like p2p to scam people. You could have a website that is looking "legit" but in reality, would be a ponzi scheme.
Most commonly, for many years people put their money into many exchanges, and exchanges didn't protect themselves carefully and got "hacked", we can't really know if they were hacked or they just stole our money but the result were the same.
This means that we saw a lot of money put their money as a whole, the "business" worked as intended for many years, but then one day suddenly they just stopped and took our money and left. Thats the scary part and it could happen and that type of scam is horrible.
That's another type of scam and people who are still not aware of the existence of another type of scam, they're the ones likely that will be a victim of those types of scams.
Someone who's looking legitimate into how professional the website looks like, they're also using that tactic because it can easily prey on people that have no idea about the style.
Note, it's not limited to crypto but also in banking and other financial services that requires a website access.