You know, it is possible that both this things are true and this isn't a dichotomy: People who invested in the game were naiive and lacking in judgement while Roberts, gaming press and the entire hype machine also inflated everyone's hopes on a project that was self-evidently too ambitious and was never going to deliver: It's not like what Roberts did was new the gaming press knew about con artists like Molyneux or Richard Garriot for many, many years before Star Citizen started it's crowd funding.
Should people be more careful with their money? Sure.
Should gaming press also refrain from basically giving a system designed to scam people out of money, kickstarter (And indiegogo and such) a lot of free publicity whenever they need clicks for their site and don't care about the consequences of greatly boosting these scams? Also yes.
I think there is some fallacy in your argument. As of yet, there has been no legal action by any public entity like a DA or the FTC in the US, or the equivalent in any other country. Yes, there have been court cases, but these are more along the lines of small claims court - I.e., people have sued for their money back, but they are not legal charges of Fraud, or anything else, for that matter.
Personally, I think the biggest threat to whether or not the game ever gets finished is that some public, legal entity like a DA or the FTC in the US, sues on behalf of all that are claiming they got scammed, and a summary judgement is entertained where RSI/CIG has to stop development in order to pay a fine/or some "investors" back.
Until a public judgement of Fraud is made, people claiming its a scam are simply spreading rumor and adding fuel to the publicity fire, IMO.
I "invested" $400 to the till, and there is a part of me that is not happy with what is going on, but $400 is where I stopped.
In this day and age, especially with a project like this that is well-known to be controversial, people, IMO, have to own their decisions to spend money on it. Claiming "I got scammed" is really nothing more, IMO, than saying, I knew the risks, and I put money into the project anyway and I am not happy with what I got. No one has forced anyone to invest anything into this game. It's not like Roberts/RSI/CIG go around to people's houses and force them at gunpoint to contribute - or else.
However, to me, it seems like there quite a few people out there, even those with no first-hand knowledge of the game, who are willing to invest, fully-knowing the risks, not get what they want, and yet claim that "it was THEIR FAULT I invested my money and was not happy". If you lost your money, own it. When you contribute, you sign a legal agreement.
That said, I agree with the comments about feature creep and development of a scope that is beyond what they thought they could accomplish within their stated goals. That is a risk of ALL development projects.