If you think then that the company would never suit you, because you think you "don't need travel bags cuz you don't travel alot", or you "don't want insurance cuz you're already insured", and that you "don't want the cards" as well, then by all means do not join. Nobody's forcing you. End of discussion.
But I'm sure there are a lot of people who think the business best suits them.
Another one, the word "deceit" is highly subjective. Maybe it's deceit for you because you don't want those products anyway. And maybe it's an oppurtunity for everyone because by buying those products they think they needed they also have the chance to start their own business.
And another thing, what business do you have in mind that does not require investments?