I see you got downvotes, but any semblance of a distinction has been lost. Whatever legal standard federal agencies have used to shut down private versions of t

I see you got downvotes, but any semblance of a distinction has been lost. Whatever legal standard federal agencies have used to shut down private versions of these has been totally muddied revealing the moral relativity of all institutions that slowly pay your money back to you. So yes, today, in 2017, "Ponzi" is used as a pejorative, and comparing accepted good things to a pejorative will garner you downvotes, but there is no distinction.