Its funny because in America the word 'Scheme' is closely related to 'scam'.

As in, a dishonest or tricky way to get money or goods from a person or people which may just include stealing.

But in england 'scheme' is a legitimate plan or payment plan.

It's still weird for me to hear it. "Take a look at our new payment scheme!" automatically I tune out because all I hear is "You lose money!"

sorry if its off topic...