If you participate then do it as a hobby only and not rely on it to sustain your life. Unfortunately many people do not have the skill or the will to start their own business and instead want to make it the quick and easy way. We all do! T. Jefferson said "with great risks comes great rewards" but in this space the reverse is true. With great rewards comes great risks!
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Yeah this should be a very small part of someone overall portfolio when it comes to money set aside. I agree that starting a business is not for everyone but everyone that wants to start a business can.
I would rather start my own business and fail at it then to invest my money in an HYIP and to have it disappear with my money.