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That’s the problem, people saw cryptocurrencies as way to make money quick (classic money making problem), it’s not that the idea of cryptocurrency is a Ponzi scheme, is that people are using it to engineer Ponzi schemes or do fraud with it as they do with fiat money.
I think you are confusing the idea of a blockchain, a distributed leger. That idea has its merits, btu, and I stress but in reality it also has its own sets of problems too.