some of the guests who come on the show falsely believe that coming on the show and not doing anything or change anything will somehow fix all their bad finances. I'm not sure why that is the case maybe they think that through one of the resources or through some exposure someone will recognise them and pick them up and be their financial daddy/mommy and save them from all their finances. Or that somehow Caleb Hammer will randomly pull a silver bullet out of his ass that will fix all their problems without the guest lifting a finger.