Banks are allowed to use fractional reserve to lend several times more than they are required to warrant themselves, governments only force banks to have an entity who will pinky swear to write down up to a certain amount in everyone’s accounts in case the banks can’t. Neither skill nor labor produce money, central banks produce money as a loan with a repayment obligation, skill and labor only shift around the fractional obligations created by banks from thin air. Crypto is actually generated as an effect of the skill and labor required to secure its own ledger. People use golf courses to claim carbon offsets they sell in get-rich-quick schemes, or stamp collections, or digital collectibles, or natural gas extraction plants, or a thousand other schemes; everything can be, and is being used to scam someone somewhere at every moment, doesn’t mean everything is a scam.