"Apparently a clearer explanation is required for my statement"
Not at all.
I know what a pipe dream is, and I even have some of my own.
RCHA, on the other hand, is simply a criminal conspiracy to defraud the gullible but greedy gambler.
I think the distinction is clear.
"It is difficult to get a man to understand something, when his salary depends upon his not understanding it."
Upton Sinclair
"Nobody ever went broke underestimating the intelligence of the American public."
H. L. Mencken