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Beware of Money Game Schemes (Skim Cepat Kaya): A Cautionary Alert Money game schemes, commonly known in Malaysia as “Skim Cepat Kaya”, are deceptive operations that disguise themselves as legitimate investment platforms. Although they may appear professional and convincing, these schemes are illegal and often leave participants with significant financial losses. How They Work These fraudulent schemes typically promise unusually high returns, interest rates, or profits that far exceed what legitimate investments offer. The reality is that these “returns” are not generated through any actual business or investment activity. Instead, early participants are paid using the funds collected from newer recruits, a structure similar to a Ponzi scheme. Such models are inherently unsustainable. Once the influx of new deposits slows down or stops, the entire system collapses. At that point, most investors, especially those who joined later, suffer major or total financial losses. Tactics Used to ...