It's a pyramid scheme. And like all of them you will get paid so long as the amount of money coming in is more than that going out. Once the income dries up all is lost.
Look there's no way to guarantee 24% per year. Especially in the world of covid-19. Forget it. It's not how the world works. Pilots are only good with money when they're alone in the cockpit with other pilots. Outside of that they suck.