Why does every "investment opportunity" sound like a scam lately?

It’s hard to trust anyone these days. Remember the Mica Tan MFT scam that fooled people with “guaranteed returns”? Or Philcrowd, na sinabing “crowdfunding” pero ponzi scheme pala? There's also the unicorn business Revolution Pre-Crafted pero wala naman dineliver na housing. Not to mention VULs that are offered by banks but are extremely predatory.

Even legit-looking investments like e-commerce automation, or those "trending" agribusinesses, and profit-sharing hotels & hospitals are raising red flags. They flash promises of 30% returns per year, pero pag hinukay mo, puro hype at walang clear business model.

Any thoughts?