That's the main factor in these chain and referral schemes, those who entered into them at the very beginning got the biggest piece of pie and those who get into these schemes later gets a very little piece,
I already made a post about this scam and why are these Lending platforms are very risky to get involved because they got our Btc and now it's upto them to give our money back,
Iam glad that you give warning to your joiners about the risks of this project and safe them because many people are now filing legal suite again those people who advised them to get into it and this is the most biggest scam in lending platform and we have to take this as a lesson and try to be aware in future before investing into these Lending platforms. :)