I think people like to use the term "Ponzi Scheme" for pretty much anything that looks too much like "money for nothing." Same thing goes for the word "scam." If it's easier to make money with something than it is to make money flipping burgers or mowing lawns, it has to be "a scam."
As much as anything, the culprit behind such allegations tends to be that most people don't understand what money is. They believe money is an actual thing, like a potato or a vacuum cleaner, rather than simply an agreement. Crypto looks a bit sketchy because there isn't actually an analog "Bitcoin" or "Hive" people can hand to each other... even though they do the exact same thing with their debit cards at the supermarket.
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