The program might have been something to consider in the past but not in today's world. I'm sure 99.9% of the members were wonderful decent people but that .1% is what would worry me. At least when you call a business for help, you can check reviews and take other precautions before calling them and get some sort of feeling whether they are reputable or not. That's not to say you can't have a problem in that situation as well but I would feel more comfortable than calling some random person that signed up to help that you know nothing about.