The prospect is great -> Financial Freedom and Independance and it all looks good when the sales person talks to you and shows you all the "proof"
and on top gives you a guarantee. The truth is though that there is no guarantee. The proof is easy to produce to someone who has no idea.
The result is clear and the victims are left sometimes with all their savings gone up in smoke and tears. This is criminal not in the eyes of the law sometimes but here are moral issues at stake which these companies are more than willing to sacrifice.
Of course it is all business. But if it were honest business they should have no problem to refund what they have taken and seek business with more "fortunate" prospects.