I don't understand what "looks like scam" means here. How is the ad substantively different than other non-scam-looking ads for financial services? My view on

I don't understand what "looks like scam" means here. How is the ad substantively different than other non-scam-looking ads for financial services? My view on this is somewhat skewed since I rarely see ads at all, I tend to view every ad I do see as suspect, and consider anything to do with money/finances to be especially suspicious.