This won't fly in the EU — inherently discriminatory against the disabled. (Consider the plight of a wheelchair user, or an amputee, or a paraplegic …)

(I can see a US health insurance co offering lower premiums for this crap, but again: only legal loopholes permitting discrimination make it viable.)

I don't get it: apart from buying a gun in order to be able to rob banks, I cannot think of any kind of investment that will generate anything close to 21% ROI. Is this a scam? Is it just a lie?

What if those steps occurred on a cam shaft run by an electric motor >_>