Yes you are very accurate, and you assess risk quite differently than me..but it is all perpective, if you quage the return from any cryptocurrency against what you can expect from a real bank then by that logic they are all scams, I will give you the generic picture for a CEO (of which I never even checked other sites as I try to keep only a few on the go at once), but as for bitcoin payment..NiceHashs has been paying me bitcoin for while now and they most certainly aren't a scam.
You were right about them being gone, but I never said they were THE way to make money..as I state in my video "if you aren't willing to lose it then don't use it"
Thank you for your advice , it always is nice to have an alternate veiw so that people question what it is they are doing.