A friend with nickname "G3rn0ti" from Germany explained in the longer comment what I had on mind. I am not sure how it works in USA, but in Poland it's similar

A friend with nickname "G3rn0ti" from Germany explained in the longer comment what I had on mind. I am not sure how it works in USA, but in Poland it's similar scheme as in Germany. Pure Ponzi-like scheme, but if you decline to participate in it, then you go to fail for avoiding it. Anyway, there are many more people who can join the crypto trend than polish Social Security system. Growth trajectory is downward, and only printing more many can save it from collapsing.