Any one really made money with programs like this ?

Seems like another sort of MLM.

Only the one in TOP make money and all those who join the program thinking they could make some money lose their money....

Its some thing like i join the program, pay them $100.

Then i put advertisement in news paper, 100 people join thinking they could make money. I get money as i refer 100 people who are paying $100 each to the MLM company.

I MADE MONEY.... WILL ALL THE 100 PEOPLE JOIN UNDER ME MAKE MONEY ?

IF YES, 100 * 100 OTHER PEOPLE LOSE MONEY......

Correct me if i am wrong.