You are trying to sell something that will be used to steal the funds of people I mean it will be used to scam. And as a helping hand of a scammer, you are also a scammer. And I think you may create a good template instead of this which could be helpful for you as well as the community of the forum.
He is more than a scammer because he encourages people to become scammers; without cheap templates like these, people will not be encouraged to create a HYIP to scam people.
For $25 worth of script, $12 domain, and $40 hosting, or less than $100, you can start your own HYIP or Ponzi scheme and target newbies or gullible people who are not aware if these are true or not.
I'm sure the OP will even guide or help their clients scam people because they are in the business of scamming.