... promised effortless wealth ... By whom?

Good question. I didn't come in here through youtube get-rich-quickers though :)

P.S. Working full time and with a family, this is the first opportunity I've had to reply. Thank you for your understanding this delay in following up.

Don't I know it :) We each do what we can and often it isn't what we want or as much as we might like to do. We all do our relative best though. :)