Incazelo yesichazamazwi ethi "uhlelo lokukhwabanisa" wuhlelo noma uhlelo olungathembekile futhi olungekho emthethweni oluklanyelwe ukukhohlisa umuntu ukuze kuzuze imali. Ngokuvamile kuhilela ukumela okungamanga noma ukuzenzisa, ukukhohlisa, noma ezinye izindlela ezingekho emthethweni noma ezingekho emthethweni zokuthola imali noma impahla komunye umuntu ngobuqili noma ngokukhohlisa. Izibonelo zezinhlelo zokukhwabanisa zifaka phakathi izikimu ze-Ponzi, izikimu zamaphiramidi, nokukhwabanisa kokutshalwa kwezimali.