Life is full of scams that people never question. They don't realize they're scams. They live asleep. Your home #mortgage is a scam. Someone decided that when you pay your loan over time, your payments barely count towards principal, until much, much later. They could have made that curve a different shape. Your payments could go more to principal instead of interest in the beginning.
This is just one of many, many scams that people just endure, unaware.