Did it collapse already?

If you lost your money, don't say you weren't warned.

There have been all kinds of "Is it a Ponzi?" checklists around but the number one evidence it's a Ponzi scheme is that if they have so high returns, why the fuck would they pay out so much? Even an average Joe can take some credit card debt or a second mortage on his house and pay at most low double digits in YoY interest. Why would anyone, EVER want to pay more than that, and even advertize it as an investment opportunity if they weren't a scammer?