It resembles a Ponzi scheme until you get a full understanding of why and how Bitcoin works. There are some coins that are definitely comparable to Ponzi schemes, but Bitcoin as a whole is something different. Just keep trying to learn and gain as much knowledge as you can and you'll get the hang of it all pretty quick
RE: Ripple's Market Capitalization Tops 11 Billion USD, Could This Become The Biggest Bubble Yet?