They're being scammed. They are getting next to nothing for inordinate amounts of money. They might not be financially poor, but they're being taken advantage of. Like NFTs, just because the fraud is mainly being bought by millionaires you don't stop calling it a fraud. And just like NFTs and gambling there will be a percentage of people who can't afford it who will hurt themselves and their innocent loved ones because con men are willing to abuse their addictive personalities to make them fall into debt and have them pay for nothing.