SBF does not have the brains to create this scheme.
If you look at the MO, it parallels Soros.
SBF came from good stock. Say what you will, you don’t get to be a Stanford law professor, or in his case MIT graduate, if you are a total idiot. He apparently knew how to talk the talk and walk the walk. Ponzi exuded charm and Madoff exploited affinity group trust. SBF was a minor epigone of Carlo Ponzi.
Cryptocurrency is the tulip bulb craze of the 21st Century. (Gamestop was a sideshow.)