Your assessment of Onecoin appears to be spot on, I would just hate to see these rules applied to all other projects. If they were all applied not a single coin would get off the ground without being sponsored with big money.
Bitcoin would not have fit your criteria besides open sourced at creation...

I despise tossing around the word scam... A scam implies dishonesty, when most of the time people get "scammed" is because they didn't read. I feel quite confident everyone who signs up for onecoin is informed of the nature of onecoin... If you send money before you read then you don't really need money all that bad do you?