Not really anything new. These sort of schemes have existed even before bitcoin existed. Just instead of being a purely fiat-powered investment scheme, they just plaster things like "bitcoin", "blockchain", "crypto", "decentralized", etc and they use websites with great looking UIs to hopefully trick the newbies.
Indeed. People are too dumb to realize the truth behind these sort of schemes. Greed has consumed their mind and they cant think of anything else but the money. In my country, deceivers dont even need a good website to put people in their scam project. Only some soaring speeches and promising a high return are needed to lure thousands of dollar in just one night

Education is really important. People should add those schemes in study programs so as to rise people awareness so as not to easily lose money in a imbecilic way