What do you say to people who think Crypto is like MLMs, but for young men?

I have heard a lot of people comparing those interested in crypto to being like "MLM women". Those who spam their friends and family with their new "business" claiming they will reap huge financial benefits if they also join. Except for a very few on the top who started the schemes, 99%of the participants lose money, themselves, friends, and family. It all goes very bad and can ruin relationships, even marriages.

There have certainly been a lot of pyramid schemes in Crypto. Hex, Celcius, Bitconnect, Onecoin, etc. This has made Crypto synonymous with pyramid and Ponzi schemes in the mainstream.

According to a lot of people here, the only truly serious projects are ETH and Bitcoin. Is this really true? In that case, are not people investing in Crypto, almost always taking part in massive schemes? With the same ignorance as women promoting MLMs, believing you can be one of those lucky 1% making money. But since you were not a founder behind these schemes, the chance is near zero.