Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme - FasterCapital (2024)

1. Understanding MLM and Pyramid Schemes

multi-level marketing (MLM) and pyramid schemes often appear similar at first glance, but understanding their nuances is crucial for anyone looking to engage in these business models. MLM, a legitimate business strategy, relies on a network of distributors to sell products or services. Participants earn money not only from their sales but also from those made by the people they recruit. This structure can resemble a pyramid, but the key difference lies in the focus on actual sales to consumers, rather than just recruiting new members.

In contrast, pyramid schemes are illegal and unsustainable business models that promise participants payment primarily for enrolling others into the scheme, rather than supplying any real investment or sale of products or services to the public. Pyramid schemes inevitably collapse once the number of new recruits fails to sustain the payment structure. Here are some insights and in-depth information:

1. Legality and Sustainability: MLMs are legal and can be sustainable if they emphasize product sales to end consumers and provide fair compensation for these sales. Pyramid schemes, however, are illegal because they focus on recruitment over sales and often do not have a legitimate product or service at their core.

2. Compensation Structure: In MLMs, compensation should primarily come from product sales, and a sign of a healthy MLM is a high percentage of non-participants purchasing the product. Pyramid schemes typically offer compensation based on the number of recruits and their entry fees or initial product purchases, with little emphasis on market demand or sales viability.

3. Market Saturation: MLMs must manage market saturation to remain viable. If too many distributors are recruited in an area, it becomes difficult for all of them to make sales. Pyramid schemes do not concern themselves with market saturation, as their profitability is based on continuous recruitment.

4. Examples: A well-known example of a successful MLM is Amway, which has a vast array of products and a long history of distributors earning through sales. On the other hand, the BurnLounge case serves as a cautionary tale of a pyramid scheme disguised as an MLM, where the company was found to be paying more for recruitment than for music sales.

Understanding these distinctions is essential for anyone considering joining an MLM and for distinguishing between a potentially profitable venture and an illegal scheme. It's important to research and understand the company's compensation structure, product demand, and market strategies before committing to any business model that resembles MLM or a pyramid scheme. Always approach such opportunities with a critical eye and due diligence.

Understanding MLM and Pyramid Schemes - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

2. From Origins to Modern Day

Multi-Level Marketing (MLM) has been a subject of much debate and scrutiny over the years, often blurring the lines between legitimate business practices and those that are ethically questionable. The origins of MLM can be traced back to the early 20th century, with companies like California Perfume Company (now Avon) and Nutrilite laying the groundwork for what would become a widespread business model. These companies introduced the concept of direct selling to consumers and incentivizing existing customers to recruit new salespeople, which is the essence of MLM.

As the decades progressed, the MLM structure evolved, and by the 1950s and 1960s, companies like Amway began to take shape, refining and expanding the MLM strategy. They emphasized the potential for financial freedom and personal growth, appealing to the post-war desire for entrepreneurship. However, it wasn't long before the legality and ethics of MLM practices came into question. The 1979 FTC vs. Amway case was a pivotal moment, establishing criteria that distinguished legitimate MLMs from illegal pyramid schemes.

Despite legal challenges, MLMs continued to grow, adapting to new markets and technologies. The internet era brought a significant transformation, with MLMs leveraging online platforms to recruit and sell more efficiently. social media has become a particularly effective tool for MLMs, allowing for broader reach and more personal engagement with potential recruits and customers.

From a different perspective, critics of MLM argue that the business model inherently benefits those at the top at the expense of those at the bottom, often leading to financial loss for the majority of participants. They point to the high dropout rates and the pressure to recruit over actual sales as indicators of the problematic nature of MLMs.

Here's an in-depth look at the history of MLM, using a numbered list for clarity:

1. Early 20th Century: The inception of MLM can be linked to companies like California Perfume Company and Nutrilite, which introduced the basics of the MLM business model.

2. 1950s-1960s: The expansion of MLMs with companies like Amway, which popularized the model and faced legal scrutiny.

3. 1979: The FTC vs. Amway case set a legal precedent, defining the boundaries between MLMs and pyramid schemes.

4. Internet Era: MLMs adapted to the digital age, using the internet and social media to expand their reach.

5. Modern Challenges: Despite its growth, MLM faces ongoing criticism and legal challenges due to its structure and practices.

For example, consider the case of LuLaRoe, a modern MLM known for its leggings. The company experienced rapid growth through social media but faced backlash and legal action over allegations of being a pyramid scheme, highlighting the ongoing controversy surrounding MLM practices.

The history of MLM is a complex tapestry woven with ambition, innovation, legal battles, and ethical debates. It serves as a cautionary tale of the fine line between a revolutionary business model and practices that can lead to financial and social pitfalls. As we navigate the modern landscape of MLM, it's crucial to remain informed and critical of the structures and systems that govern this controversial industry.

From Origins to Modern Day - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

3. The Basics of Multi-Level Marketing

Multi-Level Marketing (MLM) is a controversial yet widely adopted business model that operates on the premise of direct sales by independent representatives, often referred to as distributors. These distributors not only sell the company's products but also recruit new members to join their sales force. The hallmark of MLM is the ability of distributors to earn commissions not only from their own sales but also from the sales made by the people they recruit, creating a downline of distributors and a hierarchy of multiple levels of compensation. However, the MLM model has been criticized for its structural resemblance to pyramid schemes, which are illegal in many jurisdictions. Pyramid schemes are unsustainable business models that focus more on recruitment of participants than on the sale of actual products or services, leading to the inevitable collapse of the scheme when recruitment slows down.

Insights from Different Perspectives:

1. Proponents of MLM argue that it offers a flexible business opportunity that empowers individuals to become entrepreneurs with minimal upfront investment. They highlight success stories of individuals who have built profitable businesses and emphasize the personal development and community aspects of MLM networks.

2. Critics, on the other hand, point out the high failure rate among MLM participants. They argue that the system is inherently flawed, benefiting those at the top at the expense of a large base of distributors at the bottom, many of whom incur losses.

3. Regulators scrutinize MLM companies to ensure they comply with legal frameworks designed to protect consumers. They differentiate legitimate MLM operations from pyramid schemes by examining the company's revenue sources and the emphasis on recruitment versus product sales.

In-Depth Information:

- Product Sales: The backbone of any legitimate MLM business is the sale of products or services. For example, a company specializing in health supplements may rely on its distributors to sell protein powders or vitamins directly to consumers.

- Recruitment: Distributors are encouraged to recruit new members to expand their downline. A classic example is a beauty products MLM, where distributors host parties to sell products and simultaneously recruit new members.

- Compensation Structure: Distributors earn commissions based on their sales and the sales of their downline. This structure can be complex, with various levels and qualifiers that impact earnings.

- Training and Support: MLM companies often provide extensive training and support to their distributors, which can include marketing materials, product samples, and seminars.

- Market Saturation: A common challenge in MLM is market saturation, where too many distributors are competing in the same area, making it difficult to find new customers or recruits.

- legal and Ethical considerations: Legitimate MLM businesses operate within a legal framework, focusing on sales rather than recruitment. In contrast, pyramid schemes may disguise themselves as MLM but lack a solid product offering, relying on continuous recruitment for revenue.

Examples to Highlight Ideas:

- A distributor for a cosmetic MLM may earn a 30% commission on direct sales to customers and an additional 10% on sales made by their recruited downline.

- An MLM company may offer a car bonus to distributors who achieve a certain level of sales and recruitment, incentivizing both aspects of the business model.

MLM is a multifaceted business model that requires careful navigation to distinguish between legitimate opportunities and schemes that could potentially be harmful to participants. It's essential for anyone considering joining an MLM to conduct thorough research and understand the nuances of how MLM works.

4. Red Flags and Warning Signs

In the landscape of direct sales, the distinction between legitimate multi-level marketing (MLM) operations and pyramid schemes can often be blurred, leading to confusion and potential financial loss for those involved. Pyramid schemes are fraudulent systems of making money based on recruiting an ever-increasing number of "investors." The initial promoters recruit investors, who in turn recruit more investors, and so on. The scheme is called a "pyramid" because at each level, the number of investors increases. The schemes may purport to sell a product, but they often simply use the product to hide their pyramid structure. There are no real sales of goods or services to the public. Here, we delve into the red flags and warning signs that can help identify a pyramid scheme, offering insights from various perspectives to aid individuals in recognizing and avoiding these deceptive practices.

1. Promises of High Returns in a Short Time: Be wary of any business that promises significant returns in a short period. Pyramid schemes often entice new recruits by promising them a chance to turn a small investment into large profits with little effort.

2. Emphasis on Recruiting: If a program focuses more on recruiting new members than selling products or services, it may be a pyramid scheme. In a legitimate MLM, the primary source of profit should be from sales to the public, not from recruitment.

3. No Genuine Product or Service: Pyramid schemes often do not offer a real, marketable product or service. If they do, the product may be overpriced or of questionable quality, which is a tactic to disguise the recruitment-driven nature of the scheme.

4. Complex Commission Structures: A complicated commission structure that is difficult to understand and involves multiple tiers of recruits is a common characteristic of pyramid schemes.

5. Pay to Participate: If you must pay to join the company, especially if the cost is high, it's a red flag. While some MLMs have start-up fees, pyramid schemes often use these fees as their primary means of funding.

6. No Return Policy or Buyback: Legitimate MLMs usually offer a buyback policy, allowing members to return unsold products. Pyramid schemes typically do not offer such policies, which can leave members with unsellable inventory.

7. high-Pressure Sales tactics: Pyramid schemes often use high-pressure tactics to encourage participants to invest quickly without giving them time to consider the decision.

8. Lack of Transparency: If the company is not open about its financial statements or the nature of its business operations, it could be a sign that it's trying to hide the true nature of the scheme.

9. Training and Materials Costs: Be cautious if the company makes more money from selling training and marketing materials to its distributors than from selling the actual product.

10. Lawsuits and Legal Action: A history of lawsuits or legal action against the company can be a telltale sign of a pyramid scheme.

For example, a company that offers a line of health products might require distributors to purchase a starter kit and commit to a monthly inventory quota. However, if the company's compensation plan reveals that distributors earn more from recruiting new members to buy starter kits than from actual product sales to the public, it could be indicative of a pyramid scheme.

understanding these warning signs is crucial for anyone looking to engage in MLM. It's important to conduct thorough research and approach every opportunity with a healthy dose of skepticism to ensure that you're making a sound investment decision and not falling prey to a fraudulent scheme. Remember, if it sounds too good to be true, it probably is. Always prioritize opportunities where the product or service is the main focus, and recruitment is a secondary benefit.

Red Flags and Warning Signs - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

5. MLM Regulations and the Law

The legal landscape surrounding multi-level marketing (MLM) is as complex as it is critical for both the companies that operate these business models and the individuals who participate in them. At the heart of the matter is the fine line that separates a legitimate MLM strategy from an illegal pyramid scheme—a line that is often blurred and widely debated. Regulations are in place to protect consumers and ensure fair practice, but they vary significantly across different jurisdictions, leading to a patchwork of laws that can be challenging to navigate.

From a regulatory standpoint, the federal Trade commission (FTC) in the United States plays a pivotal role in defining and enforcing what constitutes a legitimate MLM business. The FTC emphasizes that a genuine MLM should focus on selling products or services to consumers, not merely on recruiting more salespeople. In contrast, pyramid schemes often rely on the promise of profits primarily from recruiting others into the scheme, rather than from the sale of actual products or services.

1. Disclosure Requirements: Legitimate MLMs are often required to provide clear and comprehensive information about the company's compensation structure, business model, and financial statements. This transparency allows potential participants to make informed decisions before joining.

2. Income Claims: MLM companies must be cautious about making income claims. The FTC has taken action against companies that have made exaggerated or false claims about the potential earnings one can achieve.

3. Inventory Loading: Some MLMs have been criticized for practices like "inventory loading," where participants are encouraged or required to buy large amounts of inventory. Laws in various countries seek to prevent this by limiting the amount of inventory a participant can be required to purchase.

4. Cooling-Off Period: Many jurisdictions have implemented a cooling-off period, allowing new MLM participants to cancel their agreement within a certain timeframe for a full refund. This protects individuals from making hasty decisions under pressure.

5. Pyramid Scheme Tests: Courts have developed various tests to determine whether an MLM is actually a pyramid scheme. One such test is the Koscot test, which looks at whether participants make money primarily from recruiting or from sales to the public.

Example: A notable case is the action taken by the FTC against Herbalife in 2016. The FTC alleged that Herbalife misled distributors about their potential earnings and required them to buy large amounts of inventory. Ultimately, Herbalife settled for $200 million and agreed to restructure its business practices.

In Europe, the European Direct Selling Association (SELDIA) works to ensure that member companies adhere to ethical guidelines that align with EU regulations. These guidelines are designed to protect consumers and ensure that MLMs operate transparently and fairly.

Example: In France, the Loi de Modernisation de l'Économie includes provisions that regulate MLM activities, requiring companies to provide clear information about the remuneration system and forbidding them from demanding unreasonable entry fees from sales representatives.

In Asia, countries like China have outright banned MLMs, while others like Malaysia have specific laws such as the Direct Sales and Anti-Pyramid Scheme Act to regulate these businesses.

Example: Amway, one of the largest MLM companies globally, faced legal challenges in India under the Prize Chits and Money Circulation Schemes (Banning) Act. However, after a series of legal battles, Amway was able to continue its operations by making significant changes to its business model to comply with Indian laws.

The legal landscape of MLM is continually evolving as regulators strive to protect consumers while allowing for legitimate business operations. Companies must navigate these regulations carefully, and participants should be well-informed of their rights and the legal implications of their involvement in MLM schemes. It's a dynamic field that requires constant vigilance and adaptation to ensure compliance and ethical business practices.

MLM Regulations and the Law - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

6. Testimonials and Case Studies

The landscape of Multi-Level Marketing (MLM) is one that is often painted with a broad brush of skepticism, yet for some, it represents a beacon of hope for financial independence and entrepreneurial success. This dichotomy is best understood through the lens of those who have walked the path of MLM participation. From the enthusiastic distributor who has climbed the ranks to the disillusioned participant who has faced losses, the experiences are as varied as the products sold under the MLM model.

1. Success Stories: For some, MLM has been a gateway to financial freedom. Take, for example, Sarah, a stay-at-home mom who turned her passion for wellness into a thriving business. With a knack for social networking and sales, she quickly moved up the ranks, building a substantial downline and earning a steady stream of residual income. Her success, she claims, is due to the comprehensive training provided by her MLM company and her own relentless drive.

2. Challenges Faced: Not all journeys are success stories. John, a former MLM participant, shares a different tale. Despite his initial enthusiasm and hard work, he found himself unable to sell the inventory he had accumulated, leading to financial strain. His experience highlights the challenges many face: market saturation, the pressure to recruit, and the difficulty in selling products at marked-up prices.

3. The Middle Ground: Then there's Maria, who represents a middle ground. She enjoys modest success with her MLM business, which supplements her main income. She appreciates the social aspect of the business and the personal development it has spurred. However, she remains cautious, aware of the potential pitfalls and the fine line between a legitimate MLM operation and a pyramid scheme.

4. Regulatory Perspective: Regulatory bodies have weighed in on the MLM debate, often with a critical eye. Case studies from the Federal Trade Commission (FTC) reveal patterns of deceptive practices in some MLMs, leading to legal action and settlements. These cases serve as a reminder of the importance of due diligence before joining an MLM and the need for ongoing regulatory oversight.

5. Economic Impact: Economists have studied the broader impact of MLMs on the economy. While MLMs contribute to economic activity and can provide flexible work opportunities, there is also evidence of a high turnover rate among participants and a concentration of profits at the top echelons of the companies.

Through these testimonials and case studies, it becomes clear that the MLM experience is not monolithic. It is a tapestry woven with threads of ambition, caution, and the human desire for community and recognition. As we navigate the fine line between legitimate business opportunities and schemes that prey on hope, it is these personal stories that shed light on the complex reality of MLM participation.

Testimonials and Case Studies - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

7. What to Consider Before Joining?

When considering joining a Multi-Level Marketing (MLM) opportunity, it's crucial to conduct a thorough evaluation to distinguish a legitimate business model from a potential pyramid scheme. MLMs can be a viable way to earn income and build a business, but they can also pose significant risks if not carefully assessed. Prospective participants should approach MLM opportunities with a critical eye, examining the company's track record, compensation structure, product viability, and market saturation. It's also important to consider personal alignment with the company's values and products, as well as the level of support and training provided.

From the perspective of current participants, MLMs offer a chance to be part of a community, sharing in the collective success of the group. However, critics argue that the emphasis on recruitment over product sales can lead to unsustainable business practices and financial losses for those at the bottom of the structure. Here are some in-depth considerations:

1. Company Background and Reputation: Research the company's history, leadership, and financial stability. Look for any legal issues or complaints filed against the company.

2. Compensation Plan: Understand how earnings are generated. Ensure that profits come primarily from product sales rather than recruitment.

3. Product Demand and Quality: Evaluate the products' marketability. Are they competitively priced and of high quality? Is there genuine consumer demand?

4. Training and Support: Assess the level of training and resources provided. A reputable MLM will invest in the success of its members.

5. Market Saturation: Consider the number of distributors already selling the product in your area. Over-saturation can make it difficult to find customers.

6. Personal Commitment: Reflect on your willingness to commit time and resources. Success in MLM often requires significant personal investment.

7. Exit Strategy: Have a clear plan for exiting the business if it does not meet your expectations or financial goals.

For example, a participant might join an MLM selling health supplements. They should verify that the supplements have a proven market demand and are not overpriced compared to similar products in the industry. Additionally, they should be wary of any promises of high earnings with little effort, as this is often a red flag for unsustainable MLM practices.

Evaluating MLM opportunities from various angles helps individuals make informed decisions and avoid potential pitfalls associated with this business model. While MLMs can offer a path to entrepreneurship, they require careful scrutiny and a realistic approach to the potential for success.

What to Consider Before Joining - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

8. MLM Practices and Consumer Protection

The ethical debate surrounding multi-level marketing (MLM) practices and consumer protection is a complex and multifaceted issue that has garnered significant attention from various stakeholders, including consumers, business owners, regulators, and academics. At the heart of this debate is the question of whether MLMs are legitimate business opportunities offering individuals a chance to earn income through direct sales and recruitment or whether they are thinly-veiled pyramid schemes that exploit participants. The distinction between a legal MLM and an illegal pyramid scheme often hinges on the presence of genuine products or services and the emphasis on sales to end consumers rather than recruitment of new members.

Insights from Different Points of View:

1. Consumer Advocates: They argue that many MLMs blur the lines between legitimate business and pyramid scheme, leading to potential exploitation of participants. They highlight the high failure rates among MLM recruits and the financial losses suffered by those who invest in these schemes. Consumer advocates push for stricter regulations and clearer definitions to protect individuals from deceptive practices.

2. MLM Industry Representatives: They defend MLMs as viable direct selling business models that offer entrepreneurial opportunities. They emphasize the success stories and the flexibility that MLMs provide to individuals who want to start their own business with minimal upfront investment. Industry representatives often lobby against regulations they perceive as overly restrictive, arguing that they stifle innovation and competition.

3. Regulators: Government bodies like the Federal Trade Commission (FTC) in the United States are tasked with protecting consumers from unfair and deceptive business practices. They scrutinize MLMs to ensure compliance with legal standards and take action against companies that operate as pyramid schemes. Regulators seek a balance between consumer protection and allowing legitimate businesses to operate freely.

4. Academics and Researchers: They study MLM practices from a neutral standpoint, aiming to understand the economic and social impacts of these business models. Their research often informs public policy and contributes to the broader conversation about the ethical implications of MLMs.

In-Depth Information:

- Product Focus vs. Recruitment: A key ethical concern is whether the MLM's revenue is primarily derived from selling products to the general public or from recruiting new members. For example, a company that generates most of its income from non-participant consumers is generally considered more ethical and sustainable.

- Transparency in Earnings and Success Rates: Ethical MLM companies are expected to provide clear and accurate information about the potential earnings and the actual success rates of their participants. This includes disclosing the average income of distributors and the percentage of participants who make a profit.

- Market Saturation: Another ethical issue arises when the market becomes saturated with MLM distributors, making it difficult for new recruits to find customers or additional recruits. This can lead to a situation where only those at the top of the structure can succeed, which is a characteristic of a pyramid scheme.

- Training and Support: Ethical MLMs offer comprehensive training and support to their distributors, ensuring they have the necessary skills and knowledge to sell products and run their business effectively. In contrast, companies that focus on recruitment over training may be more interested in collecting fees from new members than supporting them.

Examples to Highlight Ideas:

- A notable case is the action taken by the FTC against Herbalife in 2016. The FTC's investigation concluded that Herbalife's business practices were unfair and deceptive, leading to a $200 million settlement and a requirement for the company to restructure its operations to ensure it rewarded genuine sales to customers rather than recruitment.

- Conversely, companies like Tupperware have been cited as examples of MLMs that focus on product sales and consumer satisfaction, with a business model that has sustained success over decades without significant ethical or legal challenges.

The ethical debate on MLM practices and consumer protection continues to evolve as new business models emerge and regulations adapt. The key to navigating this complex landscape is a commitment to transparency, consumer welfare, and a clear distinction between legitimate business practices and those that resemble a pyramid scheme.

MLM Practices and Consumer Protection - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

9. Making an Informed Decision in the MLM World

In the realm of multi-level marketing (MLM), making an informed decision is paramount. This industry, often shrouded in controversy, presents potential entrepreneurs with a unique set of challenges and opportunities. On one hand, MLMs can offer a flexible business model, allowing individuals to work independently and leverage personal networks to sell products or services. On the other hand, the structure of many MLMs closely resembles that of pyramid schemes, which are unsustainable and often illegal. The key difference lies in the primary source of income: legitimate MLMs rely on sales to external customers, while pyramid schemes depend on recruitment.

Insights from Different Perspectives:

1. From the Participant's Viewpoint:

- Risk vs. Reward: Participants must weigh the initial investment against potential returns. Success stories are often highlighted by companies, but the reality is that only a small percentage of MLM participants achieve significant earnings.

- Time Commitment: The time required to make an MLM venture successful can be substantial. Prospective members should consider whether they can afford to dedicate the necessary hours alongside other responsibilities.

- Market Saturation: As more individuals join an MLM, market saturation can occur, making it difficult to find new customers or recruits. This is particularly challenging in smaller communities or within oversaturated product niches.

2. From the Consumer's Perspective:

- Product Quality and Value: Consumers should assess the quality and pricing of MLM products compared to alternatives available in the market. An informed decision involves considering whether the products offer a competitive advantage.

- Sales Tactics: The aggressive sales tactics sometimes employed by MLM participants can be off-putting. Consumers must navigate these interactions carefully, distinguishing genuine enthusiasm from high-pressure salesmanship.

3. From a Legal and Ethical Standpoint:

- Compliance with Regulations: MLM companies and their participants must adhere to strict regulations designed to protect consumers from fraudulent schemes. It's crucial to ensure that the company's business model is compliant with local laws.

- Transparency: Ethical MLM companies are transparent about income expectations, business practices, and the realistic chances of success. This transparency is essential for trust and long-term sustainability.

Examples to Highlight Ideas:

- Success and Failure: Consider the story of Jane, who joined an MLM and invested heavily in inventory, expecting to sell through social gatherings. However, she overestimated the demand and struggled with excess stock, ultimately facing financial loss. Conversely, John, who carefully researched his market and chose a company with a strong track record, was able to build a modest but sustainable income.

- Legal Precedents: The case of FTC vs. XYZ Company serves as a cautionary tale, where the FTC intervened to shut down an MLM that was, in reality, a pyramid scheme. This legal action underscores the importance of a company's focus on actual sales rather than recruitment.

Navigating the MLM world requires a careful analysis of various factors from multiple perspectives. By considering the experiences of past participants, the needs and preferences of consumers, and the legal framework governing these enterprises, individuals can make informed decisions that align with their personal and financial goals. It's not a path for everyone, but for some, it can be a doorway to entrepreneurial success.

Making an Informed Decision in the MLM World - Multi Level Marketing: MLM: Navigating the Fine Line: Multi Level Marketing or Pyramid Scheme

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