Sidenote, (not IRC direct discussion),

I don't agree on the statement "they still maintain the payment, then we can't label it is not a scam".

As long as a investment scheme is built on non-sustainable pymarid structure of using late comers' money to pay the early birds, then it is already a scam in the first place. Just how long it goes before collapsing.

or

an investment scheme is without SC approval, it is illegal in the first place.

One doesn't own the cafe by joining the 'scheme'.
As one is not the shareholder of the company.

So those don't join IRC 'scheme' will be 'pokai'?
Wah, so strong word man. 
So desperate telling others to join?