@Jesmion Are you aware that the term "scheme" is highly derogatory. It implies that Udemy or instructors are trying to trick someone. Is that your intention? If so, then please explain exactly why. I find it offensive.
Truly, Scheme has upto two meanings, (1) advantage (2) disadvantage. We have good scheme and bad scheme (good plan and bad plan). Scheme is a strategic course of action, in the first instance and in the second instance Scheme can be translated as a device. but (Udemy's Instructors and learners scheme), is a course of action!