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The underlying scheme is robbery. Though scammers use more sophisticated ways to get your money or property than robbers. But they both rob you.

Can you choose not to invest in a scam? Can you choose not to be robbed? One you can say no, the other you cannot. That's the point

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I can say "no" to invest in a scam when I know it is a scam. When it is an investmentproposal I only say yes to the investment.

It's exactly the point. You can decide to go out on the street. But you are not responsible for being robbed. Same goes for investing.

So you have zero responsibility for studying and analysing the propose of someone like Madoff before investing in his fund?