My wife was playing the share money crap where one Thai person (in this case her friend) puts money in a high savings interest account (in this case it was a bank in United States) and everyone pitches in every month a certain sum for supposedly higher interest.
As soon as I met her I told her to pull money out of this nonsense and she did.... around 500k baht in her case. Some "customers" weren't so lucky.
I asked her to explain me in detail how this s̶c̶a̶m̶ scheme works, but her explanation never made any sense to me.