I don't understand what's the scam in this. You buy BTC because you either seek to profit from it, or you believe in the core philosophy behind it. Both of these are your own decisions.
A scam would be you buying a phone from Amazon and getting a brick. BTC is exactly what it describes, nothing more, nothing less.
If you got greedy enough to dump your BTC onto a centralized service for 3% yield, that's on you. As is the decision to buy BTC.
That’s for you to decide. Its properties aren’t hidden. You get the rules handed to you upfront and the rules are always adhered to - BTC inflation will always be what the whitepaper describes.
Think of it like poker. People lose money playing poker too. Is poker a scam? Nope. You might call it unethical or gambling, but unless a player is cheating, its not a scam. And any participant willingly agreed to the rules before playing.
Same with BTC. If you bought BTC, you willingly agreed to the rules. If you didn’t “win”, that’s on you, not the “game” itself.
Nobody used the term CeFi before this crash. It’s just a No True Scotsman excuse for crypto scamming.