Even a child below 16 years are running a HYIP website these days. You can easily buy one for yourshelf to at price low than 30$. You can choose hundreds of pre made temples which can be customized according to your will at very low prices.
At http://visualhyip.com/ you can easily buy these scripts and just upload it on your server and run it. Also some people can create you such web site at fiver or other such freelancing websites at cheap rate. Even banner designs are also done for you at cheap cost. You just need to add some content and than you multimillionaire dollar website should be ready in seconds. This is a very bad business model where people are getting cheated day by day. One very popular such HYIP website called Trafficmoonsoon disappeared completely after taking millions of dollars from their investors. These people should be punished and such pyramid scheme should be stopped immediately.