I agree. I spent some time as a Kaplan tutor. The students in my experience fell into a few buckets:

1. They already know the material/are serious and would do fine without tutoring (maybe some small help here and there) 2. They kind of care, but need structure to study. They probably wouldn't study or study effectively without being in a class or having someone for accountability. 3. They don't care and their parents are paying for someone to babysit them to study

Most students were in camps 2 and 3.