In this case you said, “we can either eat and spend the money with it and be “losers” or we can not go there and eat at home”. You made specific references.
It may be there is a language issue here, but you are definitely referring to people as losers.

If you don’t want to call anyone a loser, don’t make such references.

They are not all the same, but the structure encourages fraud and abuse of the lower levels. Aggressive people will rise to the top of such an organization and that type of person will take advantage of whatever situations available to increase their cash flow. The MLM structure makes it easy for them to encourage their downline to spend money on anything that can be profitable. It encourages abuse.