No. The restrictions are not to prevent scams, but to route them through middle-men who have captured the regulatory system. Actual scam protection could only

No. The restrictions are not to prevent scams, but to route them through middle-men who have captured the regulatory system. Actual scam protection could only be accomplished by licensing adulthood by formal test. The kind of mental child who falls for a Ponzi scheme is doomed to squander their resources if allowed to manage their own affairs.