Saw some interesting data recently suggesting that the divers with the best retention rates are those who did academic/pool at home... and referral checkout dives in a warm-water location. Divers who do their ENTIRE training in warm-water have significantly higher dropout rates.
Isn't this the same as saying "divers who had no significant up-front commitment to getting certified drop out more than people who made a significant up-front commitment to get certified?"
Warm water training is something that someone can show up to their resort, ask the concierge/activities coordinator for something to do, pay some of their "resort points" to do, and get certified in 2 or 3 days. No real commitment, beyond the 2 or 3 days, and some points - or even some money, maybe.
OTOH, someone who does the academic and pool at home, then does referral dives has to make a MUCH bigger commitment. It costs more to do it that way - at least, in every single scenario I looked into. And the time commitment is also much bigger. Not that they necessarily are committing more actual time to academic/pool/OW dives. It's that they are committing to (generally) several days at home, plus at least two days at their warm water destination, PLUS all the days in between. Instead of 2 or 3 days from start to finish, they are committing to probably at least 2 weeks and could be 2 months or longer, from start to finish. Even with the exact same amount of time actually put in, the emotional commitment to something that takes 3 days from start to finish is nothing like the emotional commitment when it will take 2 months from start to finish.
It's the difference between trying something on a lark, during a period of time you already have set aside for "fun stuff" and doing something that requires forethought and purposeful allocation of time in advance.
I can't see why anyone would be remotely surprised at the data you (RJP) reported seeing.