Day in, day out I have been bombed with emails nagging me to join a “program”, which generally is a pyramid scheme, under a decent label of Multi-Level-Marketing, matrix, cycler or whatchamacallit, promising me that if I pay $20, $50, or just $1, it’s going to cause me to feel rich almost overnight, pay my debts, buy me luxury vacations, a 100 bedroom castle, and then any fanc…