Usually with MLMs they will reach a car bonus. I know one of the 'big' players in FM in the UK has a range rover through the company. What none of them tell their downlines is that yes they'll get their bonus to pay their car lease/PCP plan every month, but the plan isn't with the company. It is taken out as credit against them as individuals. Their name is on the contracts, etc. You (and/or your team below you) don't make the target one month, you lose the bonus and have to cover the car yourself, and then you have to hope sales and recruiting pick up over the coming months otherwise your stuck with that payment and debt over you. So not only is your money down that month due to not meeting a target, you also have to then find the money for the car, possibly slip down ranks and have to work hard to get it back. This is one of the reasons the bottom levels often end up losing money rather than making anything...if they need to boost sales to keep ranks and car payments what do uplines do? Encourage the bottom to buy more, and if they don't have customers themselves, they are coerced into buying and holding stock they won't sell with the promise of ranking up.
I honestly recommend looking for some of the Anti-MLM content on YouTube. Seems like Younique have a lot of people jumping ship now. Top seller for Paparazzi has spoken out with Savannah Marie claiming to be $200,000 in debt now. And then the LulaRich documentary on Amazon Prime. They all follow very similar models just change the names of the ranks and how they refer to various practices. Its hard to find huge amounts on FM as most of the Creators on YouTube are American and it doesn't seem to have reached there yet, at least not on their radars, but the models are all the same. The sooner authorities just stop pussy footing round the issue and call a spade a spade, the better. The only reason it is legal is there is an end product, but the practice needs to be stopped as the product just helps disguise the movement of money in a 3d triangular shaped model.