I would not necessarily say people aren't working to advance here in SFI. Advancing in SFI requires patience and hard work. Besides, I think the answer can also be simple the main reason it's because of money and the lack of it. Sometimes even if you do have some money to invest and advance; when you do what you get back in return might be discouraging or slow-coming. Yea it's money that's why a lot of people aren't advancing as they should.
