Because of the amortization schedule, the payments at the end are more principal than interest, so the savings aren't that much in the big scheme of things.

As for bitcoin, I haven't figured out why it isn't a ponzi scheme.

And then there are others that are just pump and dump due diligence schemes.. now when i googled this company their web page came up .. but there is also complaints and a rip off report link.. so i would read all that stuff first.. take it with a grain of salt.then look deep within and ask yourself if with your business acumen and 2 to 3 years of tax returns.. and your fico and your cash reserves can you do a 1 plus deal.

In recent years, a real estate Ponzi scheme orchestrated by Brian Dozier and Arda Hagopian shocked Southern California, leaving behind a trail of devastated investors and shattered dreams.

  $100 a year is pretty minor in the grand scheme of things...

It's a get-rich-quick scheme. 

Any other suggestions/color schemes?

The public has been kept "ignorant" and sold this scheme that they "must" have an agent to buy/sell real estate.  . . . 

But in the grand scheme of things I’m fairly new.

The scheme of things is too close to Mussolini's Italy after WW2.