The real issue is that these Nepali agents who are desperately falling for the "get rich quick" are the ones who are luring Nepalese that are new to United States. They get their 80-90% commission and that's all they care. They like to show how much money they're making every month and they post in their Facebook wall. That's a greed. PFA is q multi level marketing broker and you'll see mostly foreign agents there. Thanks to Ram prasad for exposing this. Was much needed actually.