I tend to be an independent learner -- always have been even as a child!
That said, my reasoning is usually two fold -- when I had the time as a stay at home mom, I didn't have the money to quilt (because let's face it-- it's not an inexpensive endeavor) and then when I went back to FT work, I had money but not too much extra time with three kids. Now that the kids are older, I do seem to have more time and money but do have a pretty good stash of fabric and a list of quilts on my to do list.
I am just not the target audience, I guess.