While working for a Bank in Nepal, in their Internal Controls Deoartment, we had some passionate arguments on why our bank should exit a, then popular, MLM business that had a depositor relationship with us. I will try to provide a redacted transcript once I reach home.
As a matter of urgency, I wanted to suggest DO NOT spend a penny on this venture. If you have someone who is going to - stop them. For someone that already did, try to fight to get your money back.

Meanwhile later tonight, I will try to support and back my plea on why you should not spend a dime on this.