Generally agreed, but there often is some semblance of community in those get-rich-quick schemes, MLMs in particular. You have people coming to the scheme's local branch meetings like they'd be attending church service, and they're all full of enthusiasm that's feeding off each other - creating a ridiculous cult-like happy death spiral.

Source: 3 people I know are, or were in the past, involved in various MLMs and invited me - including to one of their "internal" meetings, which I attended out of curiosity, and where I observed the most striking cult behaviour I ever experienced.