I have a somewhat different perspective here. First (I don't think anyone disagrees with me here), the moneylender isn't bad, it's just that it's bad in the absence of buying silver. I think silver/moneylender is a fine opening.
Perhaps the schemes actively hurt your deck (in addition to not being silvers). The disadvantage to scheme, and to any +1 card +1 action card in a torturer game, is that you lose the information about the card that scheme would have drawn for "free." In this particular game, you take a curse early to avoid discarding a scheme, and end up buying nothing on that turn; the discard would have been better, which you would have known if that scheme had been air instead. This is why e.g. pearl diver which is an autopilot pickup on many boards, are bad on discard attack boards. Of course, the scheme lets you put a torturer back on top, so unlike pearl diver (which has a very weak advantage) there's a real trade-off here.
I'm not sure how to weigh the trade-off (scheme denies you information while you're being tortured vs. scheme lets you scheme), to be honest; it's clear that the trade-off is worth it for village and not worth it for pearl diver, scheme being somewhere in the middle. But the point is that there's no trade-off for silver.