@carterfox I could be mistaken but I believe that there was a change in meaning from freedom to retire at age 55 to freedom to retire when your kids reach age 55.
@carterfox For the same reason people walk into a bank to see an advisor. They are trying to be responsible with their money and want to be able to retire (at all, or early). Responsible, have money, maybe even a successful business... but not savvy on this particular industry. Big sign says "55", they're wearing suits, the marketing just seems to align with their goals and ideas about money. Way more common than you think.
@carterfox It's a pyramid scheme. They recruit young idiots to harass their friends and family, then when that pool dries up you either leave because you're poor, or you buy someone else's residual package and spend the rest of your life trying to maintain it.