No need for imagination, this is the number 1 scam right now. They make fake investment sites and apps. They encourage the mark to invest some small, safe amount, and let them profit and even withdraw some of their earnings. Once the mark trusts them, they start investing more and seeing their investment growing in the app, which encourages more investing. But, once they go to withdraw a larger amount, there are suddenly all sorts of hurdles and "fees." In reality, there was never any investment happening.