Their is a little more to it then that saint to why you have a service,like I do and I win and most of the time so do my clients, but it is called taxes, retirement plans being able to be a corp. for write offs and be able to pay yourself a salary,ins, health and life and some people invest their money in a real service just like I do with my stock broker, they are people looking at it as a investment not a fast way to get rich, they are or should be looking long term and I tell all people that who sign up with me and screen them and explain what i do before I even take them on, I have turned back people and have people from here who can tell you that. I spend hours on emails and the phone with all of my clients, they have my house and cell phone number so not all things are quite as black and white as you try to make it. But your opinion is respected by me and always will be.