At some base level, they understand that this is all bullshit. But they'll buy into this theory that there's One Neat Trick to navigate your way out of a miserable existence.

So rather than understanding capitalism as this all encompassing ideological system of captive human labor, they adopt this Cheat Code mentality where anyone sufficiently educated and savvy can win by tapping in the right combo.

That's the ideological basis and appeal of almost every cryptoscam, too.