This question is a bit specific. As it is well known, you can make family groups and sign up a family membership for the Nintendo Switch Online. I am not sure how common this is in the rest of the world, but here in Brazil it's not hard to see people seeking out strangers on the internet to make family groups together in order to pay less, as the memberships are considered fairly expensive.
However, doing this can easily lead you to falling to a scam, as the "owner of the group" can merely steal your money and run away. In this scenario, a business opportunity emerges. There are people that are "professional group makers" that market themselves as a safe alternative to enjoy the services at a low price while being secure that they will not get scammed during the transaction. These people make loads of different groups and build a reputation in the community, as means of argueing that they are a safer alternative to deal with instead of a complete stranger, and, of course, they charge a bit more for someone to enter the group (like a "safety tax") to cover costs and also make a profit off it.
I am a moderator of a fairly big Nintendo community in Brazil, and my staff and I see this as an opportunity to get at least a bit of financial gain for our moderation efforts (which is something we've been discussing how to do for a long time). The influx of people seeking out family groups is enormous, and we see this business as a big opportunity to provide a service safely (scams are a big occurance and we try our best to decrease the number of cases) while rewarding us for our time spent managing the community.
However, i have seen rumours about people doing this sort of thing and getting banned by Nintendo for doing these "snarky" business practices with their services. I have never been able to get a proper confirmation of this, though, and i hope i could receive some clearance regarding the matter.