The url options are there for several reasons. Primarily, we can post in a url to another topic on the forum.
For example, let's say a member is looking for welcome letters. We can reply with the url to the topic welcome letters.
All members can do that.
The other url option is for images, such as members may want to post an image of their payout.
If someone has something to advertise, they are more than welcome to make a purchase.
The ClixSense forum is not the place to advertise.