I am talking about criminal fraud, the kind that send you to jail. Either you are being disengineous and are equating crime with questionable investment strategies.
Or you believe that the US government is complicit in defrauding an entire generation? I mean the latter could be a good argument for cancelling student debt.
(1) just following the retirement money
(2) student loans… crypto… mlm… home loans… plenty of scams target people at other stages in their lives. (I won’t even mention religions.)