And for MLM it doesn't pay to be in at the death. Either be an early adopter (of something that continues to be adopted) or be the initiator (and be the prime beneficiary of it all, but at the risk of immediate failure or subsequent retaliatory action...). Also, starting an MLM is (in my worldview) criminal in and of itself, even if you escape/avoid the wrath of Trading Standards/whoever. And even if you aren't at the top, mostly you'd only profit from lower echelon's effective losses...
(Yes, there's more to MLMs than pyramid schemes. There's also what, from the top, is actually more like a Ponzi scheme. Maybe there's something legitimate out there that's MLM, but it's escaped my attention.)
Oh dear, I'm being negative again. Perhaps that's why I'm not rich. "No, I don't want to do that. No, I don't want to do that. No, that's a stupid idea. No, that's a bit of a grey area and I'm not comfortable. No, I don't want to falsely claim I was injured[1] to get a four-figure sum," etc.
How long does it take to get these four-figure sums, then? Can you 'slip' on an untreated icy pavement[2] or something equally possible? I wouldn't, and wouldn't actually like it if you did, but if it's more within your moral framework (yeah, it'll up someone's or some entity's insurance premiums a token amount, but probably insignificant in the grand scheme of things where other people are doing the same, regardless) then it might work.
[1] Semi-true story. As in I have been asked to do so (even prompted as to what to say!) but I have never actually said no. I just started ignoring their later attempts to contact me to progress the claim, once I realised what was actually happening.
[2] There's imminent ice warnings across huge swathes of the UK, once the rains come down on the cold ground. Not sure if it'd cover your locale. If the snow's not mostly/totally gone from your area, you might not even need to wait for that, though.