[hn_version_0023]

Schemes are inherently dishonest IMO. That’s the entire reason.

[mrob]

The references to Land Rover and Doctor Who make me think the author is British. In British English, "scheme" does not usually have negative connotations.

[hn_version_0023]

Looks like I’ve outed myself as a provincial rube! Fair point; thanks

[hiatus]

At least in the UK people use it to describe things like pension plans. I don't think it's inherently unsavory.