$3400 is chicken feed in the grand scheme of things, especially for legitimate, operating businesses.

- OutStanding Realestate Solutions - "Queen of Mobile Homes" Chimene Van Gundy Plans to Plead Guilty to scheme - read the San Antonio Times Express April 25 2025 - the articcle states "Van Gundy, who raised about $18.5 Million, "used the funds for different purposes, such as making payments to different investors, paying undisclosed sales and commissions" and paying herself and othersm the document states.

**Large-Scale Schemes:**Large-scale embezzlement schemes, involving significant financial losses, are more likely to attract FBI attention. 

Back in the day I got involved in more than one MLM scheme( multilevel marketing.)

Quote from @Brooke Melton: I'm a relatively new investor in the grand scheme of things, but I wanted to share a personal story that might offer some perspective.I bought a property back in 2007 that was listed at $300K and got it for $250K—what felt like a great deal at the time.

I know there is another scheme where people create their own mortgage company to make the property appear to have no equity

It sounds like you are just starting out, keep it simple over some elaborate entity scheme.   

Everyone's best guess is the provider created a pyramid scheme and spent the rehab money.

Maybe these folks are trying to pull off a Ponzi type scheme?

And these crypto exchanges have been hacked or they themselves have stolen money out of accounts.If you like ponzi schemes, then crypto is the way to go.