(ii) The investment of money as collected is not under the regulatory control of the Reserve Bank of India or any other agency of the State dealing with credit control in relation to the country 's economy; (iii) The pooling of the purchasing power and the financial resources and the unfettered deployment thereof have resulted in the concentration of tremendous economic power in the hands of a few, posing a potential threat to the equilibrium of the country 's economy; (iv) The entire process is speculative in nature and directed towards luring away the investing public to the speculative market for making quick and easy money; (v) The very basis of the so called contractual arrangement between the firm and its depositors is founded on the fraudulent device to assure to the people a high rate of interest, the major portion of which is paid through unaccounted for money, thereby encouraging the growth of such unaccounted money in the hands of the investing public; (vi) The professed rate of interest is a mere subterfuge to provide a cloak of bona fides and legality to the under hand transactions, through which unaccounted for money comes into play in the market generating further unaccounted for money, a part whereof goes back to the depositors in the form of the balance of interest over 12% paid in cash, month by month; (vii) The firm did not have enough income or resources so as to be able to pay interest at such high rates; (viii) The irresistible conclusion, therefore, is that interest was being paid out of the capital itself; 137 (ix) "The depositor becomes a member of the investment scheme of the firm by subscribing to it and the payment of the quick and easy money by way of high rate of interest is dependent upon the period of investment and/or efflux of time which are very much relative and/or applicable to the membership of the depositors of the scheme to which the depositor agrees to subscribe"; and (x) In the process of its working, the scheme of the firm generates quick and easy money so as to render such scheme or arrangement a 'money circulation scheme ' within the meaning of the Act.