"There's also the coming onslaught of 78 million retiring baby boomers. Without more workers to support retirement programs like Social Security, boomers must live with fewer benefits or younger workers must pay higher payroll taxes to support programs for boomers."
I thought MLM schemes were illegal.
Nope. Pyramid schemes are illegal unless run by the government. MLM schemes are legal thanks to hefty campaign contributions to politicians (Amway, Mary Kay, Primerica, etc.)