Right, but since they have to pay out sometimes or the ponzi[0] stops as people stop contributing, then this could only rely on the public lack of empathy towar

Right, but since they have to pay out sometimes or the ponzi[0] stops as people stop contributing, then this could only rely on the public lack of empathy towards "drug users" [0] replace "ponzi" with "scheme", "mechanism", or any word you coincidentally apply to financial concepts you happen to respect