I tend to think of these steps as analogous to lifelines in "Who Wants to Be a Millionaire"; some people can make it to the million with no help, some need life

I tend to think of these steps as analogous to lifelines in "Who Wants to Be a Millionaire"; some people can make it to the million with no help, some need lifelines and just others cash out (not to mention those unfortunate souls who guess wrongly).