Big box store plant offerings. Clones of the same mother plants at best, highly invasive and unregulated at worst. Seriously most carry invasive plants that destroy ecosystems.
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Big-box stores are a scam, period. Their whole business model is driving smaller local shops out of business and becoming the only game in town, and then completely screwing that town over when they leave.
Interest.
The thing about good scams is that they exist in the grey area between fraud and real services.
Almost every answer in this thread is an example of this. Insurance for example - this is when you pay someone else to take responsibility for a risk. The modern economy couldn't exist without it. However, there are plenty of insurance policies which don't provide much value and are more like fraud than a real service.
Tax