Core Viewpoint - The article highlights a fraudulent investment scheme involving a platform called XX Jinfu, where investors are lured by high returns but ultimately face losses as the platform's owner absconds with their money [7][11][27]. Group 1: Investment Behavior - Investors like Bai Xiaotu and Zhu Xiaopang are initially excited about the platform, investing significant amounts, such as 50,000 yuan, based on peer recommendations [21][22]. - The platform gains popularity, leading to increased investments as users believe they can achieve financial gains, including purchasing luxury homes [23][24]. Group 2: Platform Operations - The platform's owner, Hu Xiaopeng, misuses investor funds for personal luxury purchases, indicating a lack of legitimate investment activity [7][24]. - As more investors seek to withdraw their funds, the platform's financial stability deteriorates, leading to operational failures such as login issues and unresponsive customer service [25][26]. Group 3: Fraudulent Scheme Revelation - Investors eventually realize the platform is a scam when they cannot access their accounts or contact customer service, leading to panic and despair [28]. - The article emphasizes the characteristics of illegal fundraising, warning that high returns often conceal fraudulent activities [29].