Nwogugu (2012) introduced a Network-based and Cognition-Based cyberphysical fuzzy-system within which complex self-adjusting "semi-autonomous" financial products are originated, purchased and sold. The participants of the system are diverse and include adults, companies, brokers, banks, lawyers, insurance companies and real estate companies. This theoretical article explains the key additional characteristics, system-architecture, fuzzy-attributes and Reasoning/Logic of some cost-reducing and energy-reducing AI/ML Network/Modular Products (ie. Mortgage-Alternatives Products, Retirement/Savings products and Insurance products) that were introduced in Nwogugu (2012), and also other cost-saving financial products that he developed (collectively, the "Products"). Through the products’ fuzzy features, AI and network, the cyber-system architecture implicitly incorporates "Learning" and also can use Blockchain for record-keeping. The semi-autonomous and "self-adjustment" characteristics of these Modular Products can drastically reduce system-participants’ costs and energy-use while increasing their revenues/profits through better and more efficient CRM, "matching", transaction-processing and "state-updating".