"You get what you pay for"- Well, sometimes you do and sometimes you don't. Bernie Madoff's customers paid a lot of money to get scammed. They did not get what they paid for. Not saying anybody is a scammer, just saying you don't always get what you pay for. Sometimes you get something on sale or a deal that is worth more than the price. Sometimes yes, you get what you pay for, sometimes more, sometimes less.
Years ago there was a saying in the business: "Everybody wants caviar, but they want cheap caviar."