People making $40k can't understand how people making $80k can have money trouble.
People making $80k can't understand how people making $160k can have money trouble.
Problem is with an athlete there are plenty of people willing to "help".
That's one of those variables. It's all well and good to say people need to be leaders, but there are plenty of talented players who need the structure that a good program can provide to keep them focused.