The state of California accused YTB of being a gigantic pyramid schemeA pyramid scheme is an illegal multilevel marketing program in which people pay an entrance fee for the opportunity to recruit others to do the same. and YTB has settled the suit. The state and YTB have yet to reach an agreement, but this appears to be a huge blow to YTB. I have a number of brainwashed friends who believe YTB is legit even though their travel biz isn't paying them anything!