Since the 1980's I have co-owned two schools. The first didn't survive because of location. I was required to maintain insurance and could not handle the cost. The second school failed because I could not keep enough students. Looking back on the latter, I saw that I shared in some of the blame because I wouldn't bend from my teaching approach. In my experience, students wished to progress at a fast rate, even if the growth wasn't actually there. I suspect that's why some schools cover the spectrum of belt colors. Still others were looking for things I wasnt willing to offer like a substitute for daycare, or fitness center. Needless to say I never got rich! The chain schools seem to be the ones most geared to money before substance, beyond that I suppose the responsibility falls to the student to see that they are getting what they want from the instructors. I agree that there are many things we can do to train ourselves daily. Such as awareness drills, or some fitness or kata work. Beyond that though, depending on your level of training, you still need the guidance of a qualified experienced instructor. Practice doesn't make perfect, perfect practice makes perfect, and that requires guidance and wisdom from someone further down the path. I suppose in the end all you can do is try an instructor out and see if it's a good fit for your specific needs. Regardless of whether or not they are "in it for the money."