If the lenders don't report a problem with loan repayment, I don't see what exactly is the problem here. Is it a smart investment? Certainly not, but as long as these users bear the eventual losses. I don't see the difference between this kind of investment and gambling as a reason for a loan.
A participant in any HYIP scheme is just a naive person who thinks he will make a lot of money in a short time. Most often, he is not a fraudster.

I haven't tracked everything, but it seems that there is a possibility that the accounts are connected. Certainly, this can be important information for lenders, and it is up to them how they will manage loans according to these user/s.