B. who cares? because why just smile and make our $10 commission when there is possibly a whole other business front.
Dude. Really? These people gave you a way to earn bucketloads of points, and commissions to boot, for what can be a relatively great return on your time (everyone's time is worth different amounts [financially], and you need to decide that for yourself). They spoonfeed you everything, including the actual deals to buy. So therefore, it's the opportune time to make all the money they made through building their respective businesses, because "why smile and make our $10 commission"?
If you have that attitude, then you can question anything profitable you've ever undertaken, and apply it. Like, "Why earn points from a bank by swiping credit cards when I can just invent PayPal and charge people instead?" Or, "Why buy electronics from a wholesaler when I can just manufacture it myself?"
Now, this is not necessarily a terrible attitude in life, if you choose one specific industry, as people do it, and sometimes become very rich and successful in the process. But it's not a legitimate question to ask yourself before deciding if you should join a spending group, or any other profitable venture. The profit, no matter how fat, that someone else earns through leveraging your time and effort shouldn't be in the equation of whether it's worth your time. The only thing that matters, in a market transaction, is what YOU will earn, and whether it's worth it for YOU.