What do you think about matrix program ? Something like Money Cyclers !

I found a lot of people earning good money in matrix program or money cyclers, I want to know the opinion of steemers here, do you thin is ok to earn with such programs ? Do you like Hiyps ?

My opinion is that's ok of people participate in such programs if it's long term but not ok if it will work just few months and close, I don't like programs that promise some % per day, even if they propose 1 % per day I don't belive in them, because I aleady lost with them, but matrix program are much better, because you can expect what you earn, if you invite you earn, don;t invite don't earn, but steemit of course is better :)

What is your opinion and where you are eraning now ?