Cost can be a barrier where there are day use fees.

费用可能是一个障碍，因为需要支付日间使用费。

This differs from a Ponzi scheme, where the founders recruit new members and secretly use their fees to pay existing members, who think the payments come from a legitimate investment.

这与庞氏骗局不同，那是组织者拉新人入伙接着悄悄地把新人交的钱付给老人，让他们觉得这个钱是由合法的投资赚出来的。