I think if the person has reached $500, the person wouldnt be here mylotting. The person wouldnt be here also because he or she would be very busy promoting.
To me SFI takes up a lot of time. You have to promote it.
It has been quite long since i participated so I cannot remember much. But if I am not wrong I still have to pay a fee every month to earn a certain amount. Who are the 'they' that you are referring to?