It's just a pyramid scheme, that's all. Whatever young unknowledgeable hypersteroid halfcriminal boys fanatically try to sell it as. Some time or later the growth is going to start halting, then everyone still left holding the e-coyn bag will cry tears as big as october cabbages. Luck and bad luck, all it is.
https://youtu.be/uD-CxSaIB2s?si=kLqwrH5yrt7Ru4_E