How about the simple logic that ponzi schemes don't work ?
Fiat money, is ponzi.
How can you print money out of thin air and lend, then expect to be paid back in real interests as well!?!!
Where's the interests going to come from ?!!!!
From real stuff, you dig from the ground, or foreign exchange, where others dig from their ground.
Do you see how wealth is transferred from the bottom barrel peasants to those at the top?!
Mainly the oligarch banksters.
It is a form of slavery! Most cannot see through it because they're bamboozled and blinded by materialism.
They don't realized someone's gotta pay for it for them to enjoy what they got. That's why the bottom barrel losers are the poor, the starving, whose land are being raped and they're left to fend for themselves, regardless of what country.
The ponzi/pyramid scheme is illegal only because the entire financial world and governments are using this pyramid scheme!
Of course, we all know what happens to pyramid/ponzi schemes eventually, especially in the financial world. They will collapse under their own unsustainable weight/lifestyle and debt.
This is the foundation of our world, the pyramid binary universe/tree scheme of all things!