Which is a business model that recruits members via a promise of payments or services for enrolling others into the scheme, rather than supplying investments or sale of products . This business has been ramped in developing nations where people are somehow ignorant. If you have ever attended any the training organized by this people, they can promise you how to be a millionaire and become a boss in one year and yet even them they are not millionaires. You are actually using the little you have to benefit the people higher on the graph as you continue to struggle, what if you give out your money and you fail to get someone to refer?