Like you said, most but not all of crypto is a scheme.

The problem is people don't understand what they are buying (which could be said about any other asset class as well).

So when they do buy stuff like the "crypto" FTX was backed by for example, they inherently make poor decisions due to a lack of doing proper research.

Finally, if they lose money and things don't go well for them it is only natural to just blame other people for their shortcomings.