That's one point I do agree with, the whole 'too good to be true' thing. Talking to outsiders, that is one thing that immediately stinks of 'scam' in their eyes.

10-15 can be marketed to the normies as countering real world inflation, given that the UK's inflation is still at a wacky 11% (truflation.com). That's why 20% is nice for me personally cause I have almost ALL my money in UK savings and it is not nearly enough to counter the collapse of the country's value. 20% in a global economic crisis might sound too good to be true, but it SHOULD be bringing in a lot of people seeking refuge from global inflation.

It isn't because nobody is actually talking about it, as far as I can tell