"How can you have Active Income from something you can never get rid of and once bought in, need do nothing to get it? They market it as Passive, but you declare it Active, but there is no business being covered. Crowd-Funding is more like a lending operation. So, which is it: business commission or funding activity?"

This remains my question.  When you say there is no business being covered, they seem to have training groups, how to network, how to on board, how to etc. They coach how to run your business. Individuals themselves call it having their own business. Those who earn by doing nothing is rare but income is largely through referral. I think this is substance over form. Active income.