My two cents. Having done some research, in college, of "ANY" network marketing products.
Never be lured into Network Marketing. Even Amway is a Pyramid Scheme. Amway is legal by short fusing and using legal loopholes. We all know how Pyramid works so won't go into details. When you buy a toothpaste from Amway for $4.00, the extra $3.50 you paid for that shitty generic Amway Toothpaste is the money that floats for Pyramid. Similarly, PFA Insurance or whatever it may be, if it is Network Marketing, Multi Layer Marketing then it is a Pyramid Scheme. They are just using legal loopholes to get around the illegality of Pyramid Scheme. Example, in their defence Costco and Sams Club charge Membership Fees for their services. You can open up shop and sell Life Insurance Products with exorbitant fees and Red Herring labelled returns. If you get all legal permits you can do that. The only problem is that No One will buy an Insurance Product from Torpe Kainla if the same product is reasonably priced by State Farm. To get around that problem, the MLM and Network Marketers of the world have used this membership fee notion and setting up legal shops to lure naive folks to buy the same product that they could get at a much lesser cost (fee).
I agree this PFA is a big scam. It is tragic that people will continue to fall for these various network marketers. There are few people who have learnt this secret of Legal "Network Marketing"and they will continue to open shops in various guises, PFA, Wake Up Now, Amway and many more. Some will remain and some will fade away as a fad. But many Blacks and Hispanics in poorer neighborhood, Nepali Bhutani Settlers and few more from mainland Nepal will continue to fall for these schemes. There is no stopping them as they are clever marketers. But the tell tale signs are the same - the Guy Kawasaki type marketing.
A podcast (This American Life) about another such Network Marketer called 'Wake Up Now' for the folks with time in their hand: