Is any of these large amounts of money someone's individual money they've earned that they're putting into these schemes, or is it part of financial complex/cap

Is any of these large amounts of money someone's individual money they've earned that they're putting into these schemes, or is it part of financial complex/capture - where decision making has trickled up to a small few - so few people to manipulate/convince into such decisions? "Bitcoin is almost as bs as fiat money" - Elon Musk; I haven't seen any pro-Bitcoiner try to spin this quote as a positive yet, though I'm sure I'll laugh at whatever mental gymnastics are presented. Good luck betting against Elon's understanding of the holistic, exponentials.