The daily loan interest is a good chunk of the money you make. The team building through referrals is a bigger part.

You're right, you earn more money with this scam by spamming affiliate links around. Don't do that on my blogs. I've downvoted you, you can remove the downvote by ... actually, no, I just looked at your comment page https://steemit.com/@bmneveu/comments and this account was just created, and has made six comments, all identical.

So I don't think you're motivated to have me remove my downvote -- your motivation is to catch more suckers, with this throwaway account (and probably others like it).