Bitcoin

I wouldn't say that: in every Ponzi scheme, there are fraudsters and the fraudees, and the draw here is that, this time, YOU could be on the side of those absconding with the money of all the poor saps who put money into it! And you'll think you're the only one who had that bright idea and like all the other poor saps, you'll provide the loot that the criminals at the top will bolt with when they see fit to do so.

"Now you too can be a criminal!" - Bitcoin, probably