You don't need to know any of that, as soon as they offered ~20x the return a bank would offer, you knew it was (at least) 20x riskier. As soon as it was too g

You don't need to know any of that, as soon as they offered ~20x the return a bank would offer, you knew it was (at least) 20x riskier. As soon as it was too good to be true, it was too good to be true. I don't see a queue of people who got their money out in time and made a tidy profit queuing up to return the cash because the whole thing was a cheat. And these people are no different, they would have boasted about their investment if it had lasted another 6months and they'd gotten their cash back. That's the problem here: It's heads they win, tails they cry they were cheated in the vague hope someone will give them free money...