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RE: Taking big risks with my "First post EVER"
Welcome to the Steemit community!
It's not uncommon for ICO's to have a pre-sale where "angel investors" put in for more shares than ICO investors. That may be why only a few accounts hold the majority wealth in the beginning.
As for whether it's a scam, read the whitepaper and examine the smart contract. If they're solid and the group is doing what they are promising great. If not, sell of your investment and let it kill itself.
A smart way to see things, I like that! And with the result of my research, I think I know enough to let it sink. Keep it up!