"A pyramid scheme is a non-sustainable business model that involves promising participants payment, services or ideals, primarily for enrolling other people into the scheme or training them to take part, rather than supplying any real investment or sale of products or services to the public. Pyramid schemes are a form of fraud."

In other words, you don't get anything for your investment; you only make money when other people join under you and get nothing in return. FTS is a buying club that saves you money with everyday purchases...it's worth the money you invest even if no-one signs up under you.