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This argument is a bit self defeating. You can easily replace the information a personal trainer gives with a standard training program and YouTube videos that show proper exercise form. You cannot easily replace its willpower function with a book.

That doesn't work for most people, so they put money on the line.

A regular personal trainer at a top gym is $12k/year. That’s not that much. It’s approx $23k pre-tax which isn’t a game changer tbh.

You do realize that for an average American that’s half of their annual income?

But we aren’t average are we, Bruce?