How many people can reallly afford to pay $600 to join a program online?

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I'm working for a lady right now, cleaning her disgusting apartment because she can't do it herself. We were talking last night about the online work that she does, she never went into deep details, but it's a single level marketing program. What she does is she advertises online, people call her, and she gives them a phone number to call to get information on the program. After they've listened to it, she calls them and tries to close them on the program. The catch is, they have to shell out $600! Sure, that's ok if you have that kind of money to part with immediately, but not everyone does. So if that's the case, she refers people to another program where you only have to fork over $25 to start. But that one is an MLM program, paying 5 levels deep. Both programs claim to make you $$$, thousands monthly, but you have to actually want to pay up first in order to do it. Now obviously it's working for her as she has the money to rent an expensive apartment, order groceries weekly(keep in mind, she is housebound), order in dinner for herself most nights, and pay me a nice sum of money to clean her place. She says she made $8k last week alone. I have my doubts, but do believe it somewhat, since she's paying almost $300 for 3 days of cleaning, and there's still far more to get done. I just don't get why people take the risk of putting so much money on the table for a program like that, especially since most of these programs are scams. However, she's been with this one for over 3 years, she says they've been in the business for 15 years, but even with that track record going for them, you really never know when they're going to pack up and skip town on people. I am debating starting with the lower cost program, and maybe getting into the other one at a later date, but it's still completely iffy. All I know right now, is that I'm not going to shell out any money that I really don't have to put on the table for anything like this. Don't ask me what these programs are called, or for site links as I have nothing, I know nothing except what I've written. And right now, I don't want to know about these programs.