Some of this is a psychological argument, too - I'm not someone that can put a bunch of money in an index fund or stocks that are fully liquid and keep myself from messing around with it when I shouldn't.

Consumer psychology 101. 

I have not fallen for this but have been to a couple of "free" seminars, mostly for entertainment value and a study of human psychology.

Psychology, risk tolerance and self-discipline are involved. 

Since we're ten pages into this thread it may be safe to show a little book-learning and mention cross-cultural psychology and Geert Hofstede.

The hardest part of getting started for me was getting over the psychological aspect/fear and crossing the starting line. 

It's sad but it's human nature - read a few books on human evolution and psychology.

Tap into human psychology by paying with cash and tracking every single dollar spent. 

So, when you take on the full-time psychological responsibility (real, no bs hands on support, not crappy "go look on page etc, etc") of a student and only received a portion of the funds, it can become a rough business to continue if you're the only one making money.However, I brought the course back for next to nothing because, and I mean this with all sincerity, I started to see some people (who's names I will not mention) teaching lease option assignments on a national level.

The thought of low monthly payments on my personal life I think would psychologically be of huge benefit.