What isn't a Ponzi Scheme? People who complain about Ponzi Scheme in my opinion should keep their money in the bank where the government can keep them safe. Why be in crypto if you are afraid of risk? It is a mentality which makes no fucking sense to me.

Just stay in fiat. This way if you lose your money you can get your refund. This way you know your government has your back. This way you don't have to worry about getting hacked. You might never get rich but at least you'll be safe and poor. Don't worry, the bank will charge you nice monthly fees.