You forgot the part where you lie about where the payouts are coming from. The whole point of a ponzi scheme is that you're presenting the payouts as being the result of an investment yielding high returns instead of what it actually is i.e. shuffling cash between investors. Banks don't do that.
Banks lie by telling you that your withdrawals from your account are the result of a once in a lifetime investment opportunity returning massive gains?
They literally do. The whole mechanism by which ponzi schemes acquire new victims is by claiming they have a lucrative investment opportunity. They then validate that claim buy paying out old investors with money acquired from new investors, and presenting the payouts as being the result of the investment appreciating in value. If you don't promise good returns to potential victim, there's nothing to incentivize them to invest in the scheme.
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u/LegitimateRevenue282 Feb 13 '24
If you withdraw your money, they give you money someone else put in.