RE: Does HBD’s 20% APR make it a scam?
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Oh, yes, HBD is definitely a scam. Send yours to me and be rid of it once and for all! 😉
I can see the concern, and I suspect 20% APR is unsustainable in the long term, but people like to call things a "scam" or a "ponzi scheme" as a way of ending a conversation instead of understanding it.
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No, I am planning to increase my saving in this scam. 😄
I also stumbled upon an article in 2021 that talks about a blockchain network as a scam, but in reality, he knows little about it.