The interest structure of a CD is yearly not daily like bitconnect. Bitconnect's yearly interest rate compounded daily is astronomical. And the owners of Bitconnect will shut it down once they realize the game is up and people start pulling out instead of putting in. This game will naturally go to zero, or the owners could cash out early while still driving the coin to zero. Perhaps bitconnect the crypto isn't technically the scam, but bitconnect the lending program is. The owners will still have plenty of bitconnect tokens to sell in a flash thus making millions and driving the coin dramatically down. The first adopters will earn plenty of money, the owners will make plenty, and the ones holding the bitconnect token or still have cash in their lending wallet will lose their shirts. This is a zero sum game. The bitconnect crypto will simply transfer money from some people to give it to other people. The writing is on the wall. If people want to experiment, go right ahead, but be prepared to lose it all. This is nothing more than a grand poker game.