Intervene and die

Concealed carry gun-wielder intervenes in domestic dispute and shot dead in Texas

The concealed carry permit holder was trying to intervene in a domestic dispute, trying to disarm the fleeing shooter, trying to do [t]he job ordinarily reserved for police.

The man leaves behind a wife and three now fatherless children.

“Getting shot while intervening in affairs that are not yours” is an item I will now have to add to my list of Serious Mistakes Gunowners Make. Having your wife widowed and your children orphaned for someone else’s issues definitely qualifies as a “Negative Outcome.” So many things can go wrong in an intervention that it’s almost never a good decision, regardless of what ‘sheepdogs‘ might think. Sheep dip is probably a better general analogy.

CatonWoodvilleLightBrigade

The Charge of the Light Brigade

‘He went into protective mode. He’s a father, he’s protective by nature,’ [the deceased man]’s pastor, Marc Lowrance, told reporters Monday. ‘And he thought he could help everyone involved, and tragically it went a different way.’

[He], Lowrance said, ‘sacrificed himself for this family, much the way he sacrificed himself for strangers today.’

The above comment accentuates why we need to think about and plan for events in advance. Think about what’s most important to you, your family or a stranger? Make your decisions in advance accordingly.”In every encounter, there is an element of chance.”

I often say “The conscious mind has a lifespan of one shot.” That’s not only the shot you fire but it can be the round fired by someone else. A common saying in the training industry is “You won’t rise to the occasion but will rather default to the level of your training.” While this is almost always used in the context of skills, it is equally applicable to decision-making. In that sense, this man’s death has similarities to the man killed trying to stop two active shooters in the Las Vegas Walmart in 2014. In the absence of decisions proactively made in our best interests and the best interests of our families, it’s easy to get caught up in the moment.

The worst part of the whole situation is that he sacrificed himself for nothing in the situation. The shooter had finished his violent act, which inflicted a non-life threatening wound, and was trying to leave when Mr. Antell intervened and was killed trying to stop him. The best way we can honor his sacrifice is to make sure it doesn’t happen to us.

Interview with a future criminal

I hadn’t planned on having a real life example of Know the Rules in relation to Decision Making but sometimes life gives us opportunities. In this case, it didn’t concern legal rules but social rules.

Out on my walk this morning, I had an interesting encounter with a future criminal, perhaps several potential criminals. It brought to mind something that I mentioned in my guest lecture at The Complete Combatant last weekend. Know the Rules, including the rules of the criminal interview.

The setting was a typical suburban area with sidewalks on both sides of a two lane arterial street. Three middle school aged boys were walking toward me on the sidewalk. There’s nothing unusual about that, although the time was a little late to be going to school. They were twenty to thirty yards away from me. When I first saw them, they had just passed the traffic signal on the corner I was walking toward.

1 interview initial positions

As soon as I saw them, I identified them as Green shoes, Red shoes, and Brown shoes. This is a habit I got from Jimmy Cirillo, as he mentions in his book Guns, Bullets, and Gunfights. I don’t even know if it has any general value but it’s fun to me. A variation of the technique worked very well for me during one stage of an IDPA Championship that had a multiple moving target array.

As they walked along the sidewalk, they stepped aside in the bank driveway and had a pow-wow. Right away, I knew something was up. Secretive pre-contact activity is a clue. Then they got back on the sidewalk and started walking again.

2 interview pow-wow positions

I made an immediate decision. Although I had both a pistol and pepper spray on me, this was unlikely to shape up as a situation where those would be the appropriate tools. “If he pulls a weapon, I’m going to grab it from him or grab his hand and twist his arm to give him a radial fracture.” In any criminal encounter that I can’t avoid, my primary objective has evolved into “I’m going to fuck you up. Win, lose, or draw, you’re going to have to go to the Emergency Room.” Then those difficult and uncomfortable questions by the police begin.

As we closed, Mr. Green shoes, the largest, made the approach. Mr. Red shoes and Mr. Brown shoes looked younger and were noticeably smaller. Green shoes was clearly the Alpha in the group.

3 interview contact positions

His initial approach was so tentative I couldn’t hear what he said. That set the tone for the interview. Clearly, he wasn’t practiced at his craft, so I could have a little fun with the situation.

“Excuse me?” was my response. This was in a decisive firm voice. Something criminals are looking for is indecision. If you don’t display it, they frequently don’t know what to do. As I said it, I started to rub the palms of my hands together. This isn’t an unusual gesture but it pulls the hands up into a low fence position.

“Do you have any money? I’m going to …..”

Before he could even finish, I cut him off. “No, I don’t” and put my left hand up to accentuate the point. The hand up would have allowed me to block or divert a weapon if he had produced one. Then, I immediately started back on my way and left them in the dust. Once again, decisiveness is key. I.e., ‘this interview is over.’ I kept an eye on the shadows to make sure they didn’t follow, which they didn’t. One of the reasons I like this walk route is that the sun is at my back and throws the shadows where I can see them.

4 interview broken

There’s no doubt in my mind that Mr. Green shoes will graduate to full-fledged robbery, either strong arm or armed, fairly soon. Probably in less than a year, he’ll go for it. He was just getting accustomed to his skills, much in the way boys play catch before they start actually playing baseball. Since I didn’t interact with Red shoes or Brown shoes, I have no opinion about their future plans.

Good points

When I walk, I don’t walk around in la-la land listening to music, talking on my cell phone, or being task fixated watching my dog take a dump. My head is up and my eyes are on the horizon. Consequently, I saw them at a distance and had time to adjust my Awareness and mental DefCon appropriately. This is also a good approach to driving, rather than being visually fixated on the rear bumper of the car in front of you.

visual search

Having my hands in a low fence position would have allowed me to respond much more quickly than if they were at my sides. I prefer a low fence in general because I live in a mostly normal world. The high fence is actually a superior defensive posture but it’s weird looking and off-putting if you usually deal with benign people.

Being decisive is important to controlling the situation. If you can maintain control of the situation, you can often walk away without conflict.

Items for improvement

I let Red shoes and Brown shoes get behind me while I interacted with Green shoes. They were both small and I have no doubt I could have easily nailed either of them. But if they had weapons, the situation could have become much different. I need to practice getting into a position where I can see them all.

Taking a short ‘breather’ a few steps after breaking contact would have allowed me to maintain surveillance on them and be sure they had continued on. Or turning off route and going into the bank parking lot. If their moving off had been a feint, watching them or eluding them would have precluded them from bum rushing me from behind.

For whatever reason, the eggs I made when I returned home tasted even better than usual.

Sometimes a Serious Mistake isn’t a Negative Outcome

‘The perpetrator pulled out a weapon and shot himself in the leg before shooting the victim in the chest three times,’ [Sheriff’s Office spokesman] Fortunato said.

Suspect accidentally shot self before victim

Even when committing an attempted murder, trigger finger discipline is important.

“Pew.

Damn it!

Pew, pew, pew.”

 

Commonalities among trainers

I had a unique opportunity this past weekend to observe two very different firearms trainers on back to back days. Sunday, I was invited to a Back Up Gun class conducted by Ken Hackathorn.  Monday, I was able to observe the last two hours of Introduction to Combat Focus Shooting by Rob Pincus.

Hackathorn and Pincus have backgrounds and philosophies that are probably as different as can be found in the training community. Both are good friends of mine and I have noted that despite their quite divergent backgrounds and philosophies, neither gentleman speaks ill of the other. In fact, both have good things to say about each other.

I believe they both recognize what are commonly thought of as ‘facts’ in the training community are actually opinions. Every trainer’s opinion is based on his or her background. As a result, we are all victims of our own experiences and bring our own biases to our training curricula.

As I watched and listened to Pincus, a number of items struck me as echoing things I had heard the previous day in Hackathorn’s class. The parallels between significant parts of their expressed philosophies and desired training outcomes were quite interesting.

Pincus posed three questions to the students during the class. He wanted them to express, at least to themselves, some answers at the close of training.

  1. What are you capable of with your gun? (I.e., what are your limits?)
  2. What SHOULD you be better at?
  3. How do you get better at the answer to #2?

Questions 1 and 2 mirrored primary questions Hackathorn posed to his class the previous day. “What are you capable of doing with the equipment you are carrying?” “What real world problems might you have to solve?” At the end of Hackathorn’s class, he made the statement “Training teaches you what to practice.” This is philosophically not far removed from Question 3 posed by Pincus.

They spoke about it in different ways, but they both emphasized the need to be able to hit the target. Further, they both made the case that reality will dictate defensive shooting requirements. This is very different from being able to pick our cadence and circumstances when we go to the range by ourselves. Both made comments about the difference between training and competition and not confusing the two.

Often in the training community, we become obsessed with differences, sometimes minor, in style or technique. Periodically, the observation is made that it would be more productive to focus on what we have or espouse in common. Approaching both classes with an open mind was a good indicator of the latter.

Creating dryfire recordings

A friend of mine emailed me the following question.

Claude, what device do you use to make a digital audio recording? How do you transfer the digital recording to your computer?

I had mentioned to him the recording I recently made for an Enhanced Standard version, i.e., not so easy I could pass it blindfolded, of the State of Ill-Annoy Police Qualification Course. I made the recording for dryfire practice but I could use it for livefire, too.

One of the few apps I have on my phone is an audio recorder called Mini Recorder Free.  I have a Windows phone but the app is also available for Android. It’s very easy to use and records the input as MP3 files.

First, I look at a course of fire and write a script for the recording. When I’m happy with the script, I record the narration of the course of fire, usually as one file. Where the beeps are supposed to go, I say ‘beep beep’ as a place marker.

Then I record the beeps from my CED 6000 timer by putting the microphone next to the timer. Each of the different times is recorded as a single set of beeps. I can insert each beep file multiple times into the narrative, where that’s appropriate.

I connect my phone to my computer and copy the narrative and beep files to the computer. Finally, I edit them together with Wavepad Sound Editor,  which I downloaded from the Internet. Undesirable noises get edited out and I standardize the spacing between the stages so there’s enough time to re-holster, change hands, or do other preparatory work for each string.

Since I don’t have a 15 yard range in my apartment, I create reduced scale targets to use for dryfire. I create the targets by scaling them with Excel.

7 foot range

A reduced scale target also allows me to conceal my target when I’m not dryfiring, which is something I believe in very strongly. The 12 shot drill is on the back of my wall hanging.

ISP 1600x900

On some of my recordings, I substitute a gunshot sound for the start beep. It just depends on how involved I want to make the recording. For my dryfire recording of the LAPD Bonus Course, I downloaded an audio file of the actual course being shot on the LAPD range. I had to clean that one up a lot but it’s fun to dryfire to because there’s all the range noise, LAPD Rangemaster commands (which sound like a subway conductor), sounds of empty magazines hitting the ground, and gunfire in the background. That’s as close as I can get to an actual range experience in my living room dryfire practice area.

A few of the recordings stay on my phone to use when I’m traveling. I also keep a PDF of the target on my phone so I can print it if I forget to take one along. It fits on one page so it’s easy to print in a motel business center. ISP 7 foot target

At this year’s Rangemaster Tactical Conference, someone mentioned wrapping a zip tie with a piece of colored duct tape on it as a safety insert. It’s a great idea and I’m using that now along with the Rogers Tap-Rack-Trainer. A round can’t be chambered with the tie in place. No disassembly of the gun necessary to put it in and it’s easy to take out, too. A bag of 8 inch ties costs about $2. The zip tie isn’t a snap cap, though, so keep that in mind.

Ziptie insert

The audio recording of the ISP Course I created is available as a download for 99 cents on my CDBaby store if you don’t feel like doing all that. There are a number of other recordings of interest, too.

 

Decisions about what you’re capable of

While researching personal protection incidents in 2015 involving armed females, I came across a story that I found disturbing on several levels. The incident actually took place in October of 2014 but was featured in the Armed Citizen® column of the NRA Official Journals in January 2015.

The incident began when a woman discovered a man raping her pet pit bull one morning. The NRA synopsis is as follows:

Alice Woodruff heard noises outside her home around 10:30 a.m. When she went to investigate, she found a nude man attacking her dog in the backyard. Woodruff grabbed her pistol as a family member dialed 911. She then ran to her car to retrieve the gun’s magazine. She kept her distance from the man and warned him not to come toward her as he ranted about being with ISIS and having Ebola. He then claimed to be the anti-Christ. Woodruff held the man at gunpoint until police arrived shortly thereafter. After a nearly two-hour chase, the assailant was arrested and is expected to be charged after his release from psychiatric placement in a local hospital. (/Republican American/, Waterbury, CT, 10/24/14)

Let’s leave aside the issue of raping a dog, which is disturbing enough. A friend in the animal rescue community has informed me this is far more common than any sane person in the civilized world could believe. Several other more commonplace decisional issues are apparent.

First, in an interview with a local TV station,  the woman stated:

I ran in, got my [.380 pistol] out of the bedroom, and realized as usual the ammunition is in my car locked in my glove box.

This is a serious problem of mindset and decision-making. Perhaps the woman is attempting to ensure there is no unauthorized access to a loaded weapon in her home. However, her protocol carries this rule to unreasonable extremes. Fortunately, the situation allowed her to “[keep] a picnic table between herself and the man as she opened the car to grab the magazine” Then:

I showed him the clip went in but I always kept the gun at my side while I was talking to him.

This is yet another decisional issue. She should have loaded the gun the moment she had accessed the magazine. Waiting to demonstrate to the man that she was loading the gun actually demonstrated to him that 1) she wasn’t ready to respond in the first place, and 2) she was not mentally prepared to shoot him.

The standoff with the man continued for several minutes as the man made numerous irrational statements. Although she warned him not to move toward her during the standoff, he eventually did. According to the story, the man was standing about 20 feet away from her. While the intent of the Tueller Principle has become heavily misconstrued in the training community, its applicability to a situation like this is clear. As a result of his moving:

Woodruff fired into the ground nearby when he moved toward her, though she said she wasn’t going to kill him.

The warning shot didn’t deter him. He tilted his head back, stretched his arms to his sides as if he was on a cross, and told her to shoot him, she recounted.

As more people own firearms for protection, it’s likely we will encounter an extrapolation of the ‘suicide by cop’ into ‘suicide by citizen.’ While I have said in the past ‘never say never’ about warning shots, we have to also consider that they may not work and a Plan B will be necessary.

But the single most inappropriate decision by this lady was to have a gun at all. A statement she made clearly indicates a firearm is not an appropriate tool for her to own.

And now I have to be the judge and jury and god for him? That’s not fair.

There’s nothing wrong with deciding you are not able to take another person’s life. We all have unique moral principles that guide us. This is why I never proselytize about gun ownership. Having a firearm for protection purposes is a deeply personal decision of the same magnitude as deciding to lose one’s virginity, get married, or have a child. However, someone who cannot bear the thought of taking another’s life in self-defense should not have a firearm as a protection tool. Pepper spray, a Taser, or some other alternative would be indicated.

Eventually, the authorities decided that the woman will not face any charges.

“She feared for her safety,” Deputy Police Chief Christopher Corbett said. “She fired a warning shot into the dirt.”

That warning shot was a reasonable thing to do given the circumstances, Corbett said.

“Every situation is unique,” the deputy chief said. “If you fear for your life, or if you fear for someone else’s life, you can use reasonable force to defend yourself.”

A consideration is that a warning shot may be no more legally justifiable than actually shooting someone. Gunowners do sometimes face criminal charges for firing warning shots.

This incident show a number of nuances to the decision process that we as gunowners should consider ahead of time. Although things worked out in this particular case, it had the potential to turn into a Negative Outcome in a number of ways.

Mindset and decision-making (2016 Tactical Conference)

Mindset and decision-making are intimately related. One of the phrases we use for having made a decision is ‘I’ve made up my mind.’ While not a formal topic, the concept of mindset and decision-making was a clear subcurrent of thought at the 2016 Tactical Conference. While this wasn’t a formal topic, per se, it was a theme that ran through several presentations and side conversations. As my friend Mark Luell  put it, “This [my life and my family] is important to me and I won’t let you take it from me.”

An early conversation I had was about our Mindset as Americans. The focal point of our conversation was an article in The Atlantic Monthly.  The article described the difference between US soccer competition and soccer in the rest of the world. A key dissimilarity is that in the US, our children typically spend much more time playing and less time practicing individual skills. We’re eager to confront and control/dominate early as part of our culture in a way that is less common in the rest of the world. The common attitude of “I’ll shoot someone who’s in my house” is rooted in this piece of our American Mindset. Sometimes that works out, sometimes it doesn’t.

The article’s comment about developing individual decision-making skills resonated with me. I continue to be less sanguine that Force on Force training is the panacea it’s thought to be in the training industry. If we don’t teach people the process of decision-making and then just throw them in the deep end of the pool, how helpful is that in teaching them?

“The thing that makes elite players is decision making,” Lemov told me. “They need to integrate not just how to do something but whether, when, and why.” He sees parallels to the difficulty many American students have solving problems independently. “If you give [American] kids a math problem and tell them how to solve it,” he said, “they can usually do it. But if you give them a problem and it’s not clear how to solve it, they struggle.”

John Hearne’s presentation FBI Research: The Deadly Mix got me wondering if being a nice guy is just another form of trying to control the situation. Granted, it’s a different approach to control but maybe it’s just a matter of tone and style rather than substance.

Two of Tom Givens’ presentations had an undercurrent of decision-making. Deciding whether or not our personal protection equipment is ‘needed’ during the course of our daily lives is a serious choice. As Tom puts it, the only failures in his student incident database are the result of ‘forfeits,’ i.e., the victim was unarmed and therefore unable to resolve their problem. Being unarmed was a decision that didn’t work out well in those cases.

John Murphy  provided me a video I had previously seen that relates heavily to decision-making. The officer’s action in the video demonstrates the clarity of his decision and how unhesitatingly he applied it.

Those of us who have actively been at this for decades have a very clear idea of our options, their consequences, and how to appropriately apply those options. Choosing options and being clear in your own mind about when and where to apply them is a critical part of the personal protection process.

Thoughts about the Rangemaster 2016 Tactical Conference – Part II

The Rangemaster 2016 Tactical Conference  was held March 11-13, 2016 in Memphis, Tennessee. I’m continuing to coalesce my thoughts and observations about the Conference.

A friend emailed me today with this question.

For 30 years I have heard the term Dry-fire. The term has been used in articles, in classes, on training videos. Now it is called Dry-Practice. Have we gone politically correct?

Since dryfire is something I work on quite a bit, that’s a question worth addressing in the context of the Conference. Dry Practice, to me, expands the boundaries of what we can work on beyond trigger manipulation. For instance, if you practiced clearing your house with an inert gun, there wouldn’t be any firing, so it would be dry practice.

I considered including a decision-making component, using decisional flash cards I’ve been developing, in my presentation. Due to time constraints, I had to leave it out. That would also be a form of dry practice even though there wouldn’t be any weapons, live or inert, involved; purely a thought exercise.

So, dry fire is actually a subset of dry practice. When it’s used that way, I can accept both definitions.

My class for the Conference was Developing a Dryfire Practice Regimen. I focused the class on fundamental manipulation skills of a pistol that were parallel to what could be seen on a square range. For instance, practicing trigger manipulation, presenting from ready or a holster, malfunction clearance, etc. Fundamental skills should be practiced until we are Unconsciously Competent at them. The more repetitions we have at a task, the more likely we are to develop the UC necessary to free our minds for situational input and decision-making.

Other classes at the Conference refined, extrapolated, or demonstrated the need for dry practice. For instance, John Hearne’s presentation Dry Practice: An Evidence Based Approach included several items of physiological theory about why dry practice is an effective form of practice. John’s Master’s degree concentration was in Research Methods so he was very thorough about his research and how he applied it to our Art. Larry Lindenman’s Managing the Don’t Shoot was taught using inert weapons. The students undertook a significant number of progressively complex exercises with multiple repetitions about how to take a threat at gunpoint without firing. Tom Givens’ Low Light Equipment class included considerable material about flashlight technique. All the techniques Tom presented could be practiced dry without going to the range. Low light livefire should simply be a verification of the manipulation skills developed in dry practice. That is the approach used at the elite Rogers Shooting School.

cheek technique

One attendee was so kind as to bring a set of Dry Fire flash cards he had purchased. It was interesting to look at them. While they might have some long term viability for a few shooters, there were some serious barriers to using them for skill development. Most notably, the cards assumed the user was familiar with the drills indicated on the cards. I.e., the creator took his subject matter knowledge for granted. Second, there really was no information provided about how to use the cards as part of a practice regimen. It’s important that we either have a logical sequence for building our skills or that we deliberately work, at random, skills we have already developed to maintain instant recall of our UC. Without a program for doing one sequence eventually followed by the other, the cards’ usefulness is limited, in my opinion.

Caleb Causey and I had an interesting conversation about non-verbal communication. It made me realize how powerful non-verbals can be between an instructor and a student. Chuck Haggard and I have discussed the non-verbal communication that goes on between predators and potential prey. One of the most important components of interacting with predators is to ‘fail the interview.’ Predators frequently observe whom they wish to prey upon in order to make a decision about whether to proceed with the predation. This observation is the initial component of the ‘interview.’ Appearing to be uncooperative from a distance may avert the need for a verbal or physical interaction at all. Being uncooperative is something that can be practiced dry, as well, and doesn’t necessarily require equipment.

Sabre Instructor Class

More about the Conference next time.

Initial thoughts about the Rangemaster 2016 Tactical Conference

The Rangemaster 2016 Tactical Conference  is now in the record books. It was held March 11-13, 2016 in Memphis, Tennessee. The gathering included 200+ attendees, almost 30 instructors, and the fine facilities and staff of the Firearms Training Unit, Memphis Police Department Academy.

There was a great deal of material presented, more than could be attended. The Conference focuses on an inter-disciplinary approach to personal protection, so there is a lot more than just firearms and shooting involved. There was a challenging pistol match that could be shot, though; 158 people chose to shoot it.

TacConf2016_Schedule_Matrix

The class I gave was Developing a Dryfire Practice Regimen. I was very gratified by the turnout of 50+ students. As the saying goes, ‘The best way to learn something is to teach it.’ Over the course of creating my presentation, my dryfire techniques became even more refined. One attendee also gave me a new training aid I wasn’t aware of. As in every class I teach, I also learn from the students.

Cover photo

The other classes I attended were:

  • Managing the Don’t Shoot – Larry Lindenman
  • Gaming the Streetz – Eve Kulczar
  • Low Light Equipment – Tom Givens
  • Optimizing Classroom Instruction – Tiffany Johnson, Esq.
  • Metro-Tactical – Julie Thomas
  • Urban Insurgency – Dr. Martin Topper
  • Lasers, Red Dots, Iron Sights – Karl Rehn
  • FBI Research: The Deadly Mix – John Hearne
  • International Terror Operations – Gary Greco/John Holschen
  • Dry Practice: An Evidence Based Approach – John Hearne

One of the pleasures of going to Conferences is getting to talk and catch up with my peers. Some of the conversations I had were:

  • Cecil Burch – the Venn Diagram of Realization, instructor goals in attending conferences
  • Paul Sharp – human gun interaction
  • Skip Gochenour – Homicide trials
  • Caleb Causey – Non-verbal communication
  • Tom Givens – Standards that replicate incident skills
  • Richard Jenkins – Dry Fire Flash Cards and skill development
  • John Farnam – Attitudes of older fighters
  • Gary Greco – American soccer team development, American Mindset (competition and confront/dominate)
  • John Murphy – immediacy of action
  • Mark Luell – I won’t let you take this from me
  • Chuck Haggard – performance of .38 Special and .22 LR in gel and adversaries, S&W metal autoloader maintenance
  • Karl Rehn – iron sights, lasers, and red dots
  • Julie Thomas – tuning a class presentation

I’ll have more to report about the Conference in future posts.

The quality of training

There have been a number of recent rants about the quality of training and why would students choose one trainer over others.

The following is my commentary from a thread on Facebook:

An issue with rants about the quality of trainers is the underlying assumption that people actually want to be ‘trained.’ That’s not necessarily true. In general, people either want to be entertained or have their tickets punched. Neither of those two objectives has anything to do with training.

Further, real training involves some kind of measurement. As Greg Hamilton succinctly put it ‘without testing there has been no training.’ There are many forms testing can take but it has to be a part of training. Many, if not most, adults have never left high school emotionally. Consequently, they have an inordinate and irrational fear of performance measurement. That’s another reason they’re not really interested in being ‘trained.’ Being tested requires taking a large risk of finding out you’re not the hot shot you like to think you are. Most people have enough smarts to realize that, at best, they’re Walter Mitty, and, at worst, they’re grossly incompetent. They take great steps to protect their egos because of this.

So, what people seek out is Entertainment, Comfort, and Convenience. Nothing wrong with that. Let’s face it, most people live boring lives filled with relentless drudgery and lack of fulfillment.

As the saying goes ‘you get what you pay for.’ The payment in the context of real training is not just money but also emotional energy and commitment. Very few people are willing to make that kind of payment; they limit themselves to paying with money only.

In the end, the market for training, as well as the training provided, will generally follow a bell curve. At the ends, really good and really bad, while the huge middle segment will be mostly mediocre.  In most cases, that’s enough.