Many schemes are entirely legitimate, giving people opportunity to run their own small businesses.
However some schemes have taken advantage of their participants and have taken their money without giving anything by way of an honest business opportunity. This has led to legislation which makes illegal the way in which some kinds of schemes operate. The legislation also sets out rules which govern the arrangements between the promoters and participants, so that the schemes are legally operated. These rules give participants clear rights. When you join a trading scheme, you take on responsibilities and risks.