They only guarantee the bonus payouts which require bigger investments to get. On average they are not sitting much higher than Hash Flare or Genesis especially as Bitcoin price increases. They are at .88% average right now. That's not like the 2,3,5% daily that we've seen with some true blatant HYIP scams that are up and gone in 40 days or so. Many people by now are already way in the money with Bitconnect which is unusual for a scam/scheme. That being said I consider it a risk and advise caution. However, how many other things in life have you wasted $100 on without thinking twice? That's all it takes to get started.