At this point? It really isn't a pyramid scheme. It has proven itself. People who keep parroting this are going to be left in the dust, and fast. The main issue is that modern banks offer no value whatsoever to the average consumer. It used to be that banks wanted they privilege of taking care of your money, and they would pay you for it, in terms of interest. Modern banks see the average consumer as a liability instead. They must insure each account under $100k, the vast majority. The end result is checking accounts with 0% interest, and savings accounts with 0.5% interest. If you do not meet minimum cash balance thresholds, they actually charge you a monthly fee. You can 'invest' in CDs... locking up your money for 6+ months, to get, at best, 2% interest (and often far less). The modern banking system is a complete and utter failure. Your only alternative then, is stocks, literally gambling. A system that we saw just weeks ago is completely rigged, where big financial institutions can 'borrow' shares that don't even exist, to drive stock you own out of business, and they will collude with the rest of the market to make sure you cannot trade the asset they are tanking. Or you can put it in crypto, and via deflation alone, you are guaranteed better returns on your money than anything a traditional bank offers. There are crypto services out there that also offer guaranteed 13% interest if you invest for a 6 month crypto 'CD'. You can even use gambling sites and probably make money far more reliably than anything you would get from stocks. The fact of the matter, is that the old financial system is dying. And good riddance. It has not served any meaningful purpose in decades, only existing to assist the government in market manipulation.