It's not an investment, it's a donation; it's not a return on investment, it's a blessing or love gift.
Give credit to the people behind Kapa Community International for their creativity in finding loopholes in the country's rules so they could get away with other people's money.
This entity, registered as a religious organization, took advantage of other people's low financial literacy and high hopes for a better life, and its leaders should pay for this.
As President Duterte himself said this week after ordering law enforcement to go after Kapa and other organizations engaged in such schemes, it's plain and simple "pyramiding" which would inevitably collapse for being financially unsustainable.
"When it's too good to be true, it's fraud," the president was quoted as having said, as he ordered the police, NBI, and the Securities and Exchange Commission to "shut them down and haul them to court."
As law enforcers go hard on these Ponzi operators, the Bangko Sentral ng Pilipinas and the rest of the banking sector should step up financial literacy campaigns via traditional and new media.
There will always probably be gullible people who will fall for get-rich-quick schemes, but authorities should at least try to minimize the extent of the number of people whose savings or retirement funds will be gone perhaps forever.
More than other people's money, the one important social capital that is lost in these scams is trust, which is so hard to regain.