Worst case scenario I lose my initial investment of $20
You know perfectly well that it's irrelevant how much you bought the BTC for. At current value, you're investing over $30,000 into a Ponzi scheme.
For most people, that's over a year's wages.
I asked for advice from researchers....not opinionaters or haters
It's not a topic which warrants debate. The service has:
-A very prominent, layered referral program
-A very specific return (10% per day)
-Such a high return that in a few years, they would be paying out more money than the amount that exists in the world.