In economic downtimes when people are hard-pressed, many slip into survival mode, wanting quick returns or “quick fixes.” While wealth creation typically requires hard work, patience, and strategic investments, the temptation to bypass these processes becomes stronger during downturns. Instead of learning how money works, some fall for the illusion of easy riches. This creates fertile ground for the rise of get-rich quick schemes or Ponzi schemes—fraudulent investment scams that promise high returns with little or no risk.