Interesting take on this and I agree with some of things you said. Locking in your money and getting paid from other's people money. One can say that company's are a huge ponzi scheme as well; They take your money and "invest it" and charge you and arm-and-a-leg if you withdraw sooner. Would you platforms such as bitconnect, hexacoin, usi-tech is a scam. I actually feel like all ICOs are scam, because they can disappear at anytime and there is nothing that can be done about it. I think I will take a risk as there is none like this. So far I'm still above water on investing in ICOs. I'm hoping that 1 investment will make it big for me.

I came across https://www.kineticunion.io today. They seem to be an interested lending platform that will match lender's investments up to 75%. They are launching an ICO in less than 48 hours. What does everyone think about this? Too risky?