This structure isn't a scam perpetrated by the sponsors--it's just how they have to operate to comply with the regulatory framework.  

The 20 percent rule may a good framework but I think it is mostly situational.

The client mentioned above went through our Concierge program where we do the customization for them and bring in their branding and personal story wrapped in our high performing framework. 

The input from all of those that have graciously provided valuable input and insight above taken together with the considerations of your last sentence provide the framework to make necessary decisions. 

However, I think every business owner needs to first build a solid structure and framework before scaling.

This implies that the now-outdated models of PCs, cell phones and gaming frameworks are disposed of consistently.

If you are good at finding deals on used items, then you'll keep your start up cost at a min.If you're the analytical type, then a breakeven framework will help you make a decision. 

I had the site built in Wordpress using the Elementor framework and then used the OwnerRez Wordpress plugin, widgets and short codes to enable bookings and calendar display.

I get the impression that whatever happens in 9 years with the commercial loan will determine how you approach things now, within the framework of how much risk tolerance you and the little woman have.

Using this time to build knowledge and skills, developing business operations framework.