Referral / affiliate programs aren't the issue until you are referring people to a ponzi scheme that uses new money to pay old marks. Nearly every legitimate affiliate program I've pushed in the last 20 years had a referral program and I did not (would not) "invest" in BitConnect.
Cheers
A referral program that promises to give you $360 for $10 does not sound like a legitimate one.
But what if it's true...Would be great

I'm newbie, so I can be wrong, but still believe in the BitConnect profit