Don't forget that people who appear on those shows get paid. At least scale wages if not more, plus accommodations, all of which is considerable for people living within ordinary means. Combined with the thrill of being on tv it can b.s. An overwhelming experience, which explains why so many people do it. But much of it cones down to financial and emotional manipulation.
People like you never seem to distinguish between (a) pointing out what is unreasonable/imprudent, and (b) claiming that a given misfortune was deserved.
It would be comical if you weren't so unpleasant and rude.