Unregulated rise of these schemes
In recent times, we have seen a growing trend of online marketing schemes, often disguised as “affiliate marketing” or “investment opportunities,” promising quick and easy money. While some of these ventures may be legitimate, many operate under questionable models that resemble pyramid schemes. What is most alarming is their aggressive recruitment of students—young minds who are still in the process of understanding the financial world.
A concerning case has come to my attention, where a student has been borrowing money from multiple people, claiming that he needs it to invest in a marketing program under companies like LeadArks and Earnhub. The individual who introduced him to this scheme showcased her own earnings, luring him with the prospect of similar financial success. However, the reality is far from what is promised.
These schemes operate by convincing individuals to invest money upfront, often under the pretense of “buying a membership” or “getting started.” In many cases, they function in a pyramid-like structure where earnings depend on recruiting others rather than actual product sales or services. The real issue arises when young students, unaware of the financial risks, take loans or borrow from friends and family to join. If they fail to earn back their investment, they are left in financial distress, unable to repay their debts.
The Dangers of Targeting Students
Unlike working professionals, students do not have a stable source of income. Their understanding of financial risks is still developing, making them vulnerable to manipulation. The dangers of involving students in such schemes include:
- Financial Burden – Students may borrow money, believing they will quickly earn it back. When they fail, they are left with debt they cannot repay.
- Emotional and Mental Pressure – The stress of unpaid debt can lead to severe anxiety, embarrassment, and, in extreme cases, even self-harm.
- Family Distress – Parents, unaware of their child’s involvement, may suddenly be burdened with unexpected financial liabilities.
- Manipulation and Exploitation – Influencers who promote these schemes use psychological tactics, showing their own earnings to make it seem easy and risk-free.
Who Will Be Responsible?
If a student is unable to repay borrowed money, who takes responsibility? The student, despite being the one who made the decision, is not fully aware of the risks. Should the parents be blamed for something they had no knowledge of? Or should those influencing and recruiting these students be held accountable?
The fact that these influencers ignore genuine concerns when questioned shows the lack of accountability in such operations. If they were confident in the legitimacy of their business, they would be transparent about the risks involved. Instead, they choose to avoid discussions, further proving that they know the reality behind these schemes.
A Call for Awareness
This article is not written to attack anyone personally but to raise awareness about an issue that could have serious consequences. It is a plea for students to be cautious before investing in such schemes, for parents to be vigilant about their children’s online activities, and for authorities to scrutinize these business models more closely.
While the internet has created many legitimate opportunities for earning, it has also given rise to financial traps disguised as golden opportunities. Let us ensure that our youth are not misled into making life-altering mistakes under the illusion of quick wealth.
If you are a student considering such an opportunity, ask yourself:
- Do I fully understand the risks involved?
- Am I being asked to invest money before earning?
- Is my earning dependent on recruiting others?
- What happens if I don’t make the promised returns?
If any of these questions raise doubts, take a step back. Consult with someone experienced, research thoroughly, and remember—there are no shortcuts to success.
