Thanks for your perspective, you do bring up some good points for sure. I wouldn’t say the 100 day bootcamp is a get rich quick scheme, but you really need to put in the effort as some people gotten results within that time frame so it’s definitely possible. However on the other hand, almost 95% of the people won’t achieve anything because of various reasons too. I’m not too sure what rubbed you wrong, but the ABC is built on promoting Clickfunnels so that’s for sure.
The metaphor of the funnel is used because people drop away at each stage of a long sales process: for example, many of your unqualified prospects may have existing suppliers with whom they're very satisfied. Others may have needs which other competitors are better-placed to satisfy. Still, others may love your products, but not have the budget to buy them.
If a sales opportunity does not move down the funnel, the sale will not happen and the opportunity should be removed, hence the “leaky” funnel. A leaky funnel is not necessarily bad; as a salesperson, you want to focus on opportunities that are likely to yield results. It is the nature of sales to have to remove an opportunity from your funnel. It does not mean that you will not sell to that account (a positive action by the customer can put them back into the funnel), but for the time being, you should centre your attention on opportunities that remain in the funnel.
The first helps direct attention to the goal of the page -- for you to fill out the form -- in a way that's unobtrusive and feels less like a chore. The second gives this page an SEO boost (search engines will have more content to crawl) and assuages any worry from folks who need to know more about a piece of content before handing over their information, all while not distracting people from the chat window.
I'm not sure how the algorithm works (or if there's one at all), but while I was filling it out, I had some anxiety about not qualifying. Once I found out I did, I was excited to fill out the form, which I'm sure most people who are in debt and using this tool are. By making this offer seem more exclusive before the form appeared on the landing page, I'd bet that Bills.com increased conversions pretty significantly.