I'm sorry to hear that. All those people in the lending subforum who borrow and lend for profit must all be ponzi schemes too if we follow that logic. And we can also include everyone with credit cards too. Hmmmm, how then do we address it?
You address it by explaining where the bitcoins come from for the 'guaranteed' payouts.Credit cards make money by charging merchants a fee, charging interest on late payments, etc. And they mitigate their risk by running credit reports on borrowers.
Legitimate lenders do something similar.
So, I'll ask again: what is your business model? How will you make the money to payback the people who are sending you X bitcoins and expecting to get X+Y back in a day?