Found another scam.
Turns out "The Government" takes a large portion of YOUR money, puts it in some unsealed coffer and promises to earn money on your behalf and then repay you the money you paid in - but the kicker is - the Govt SPENDS that money willy-nilly.
Be warned.
“… the greatest detractor from high performance is fear: fear that you are not prepared, fear that you are in over your head, fear that you are not worthy, and ultimately, fear of failure. If you can eliminate that fear—not through arrogance or just wishing difficulties away, but through hard work and preparation—you will put yourself in an incredibly powerful position to take on the challenges you face" - Pete Carroll.