A while back I was pitched for a "be your own bank" MLM. After looking into it, it was the essential definition of a ponzi scheme - the entire company would eventually fold when it stopped enrolling new representatives. 

Many years ago I looked at the Infinite Banking Concept which also promotes itself as "be your own bank". The problem is that "your" money isn't your money, it's never immediately available because it's held with a mutual life insurance company, and unless you're funding it faster than inflation, you're losing value regardless of the made up projections. 

Unless you actually own a bank, THE ONLY WAY to be your own bank is to hold your own assets like precious metals and Bitcoin in self custody, and validate your own transactions.

Anything else is quite simply a scam.