That's right. People add the word scheme to it to make it sound illegal. Obamacare is a scheme. Most direct selling companies are watched very closely by the feds. The danger for a company comes with the distributor/customer ratio. With Primerica, for example, there are obviously way more insurance customers than agents. If they are illegal, they shut them down. There are lots of companies doing business using that model that has been around for years.