I'm Lucy, and I'd be happy to answer your questions today.
A pyramid scheme is a form of investment in which each person pays an investment to join, then recruits others who pay to join (and recruits others), with the expectation of getting more money in the future. Mathematically, these schemes only work if everyone in the world joins, and even then, people on the bottom of the pyramid get nothing in return for what they put in. It's bad because most pyramid schemes trick people into giving money by lying about the nature of what they're getting, and because only the people who manage to make it to the top of the pyramid stand any hope at all of getting their original investment back. The vast majority of people who buy into pyramid schemes lose everything, while the people who started the scheme profit at their expense.
Also, pyramid schemes are illegal, which is probably another reason they are considered back. Even people who make money could get sued for engaging in fraudulent transactions and required to return everything.
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