I think the fingerprint thing is more of a gimmick than real security. Especially since the phone is specifically designed to encourage you to leave your fingerprint on the glass.
That said, as long as you don't have somebody following you around collecting fingerprints and waiting to steal your phone, it's simple enough to defeat. Just use, say, your off-hand pinky for the scan, and put a matte case on the phone.
You're using "Ponzi" and "pyramid" interchangeably, but they're not quite the same thing. In a Ponzi scheme you lure in more investors to cover earlier debts. The pyramid scheme starts there, but you set it up so that new investors become an active part of the scheme by requiring them to bring in even more investors; it's self-sustaining until it falls apart.
The pyramid investors may or may not undertand the true nature of the scheme but the Ponzi investors would not.