Yes - and I know multiple life coaches IRL. All of them are grifters.

The worst stereotype of advice is "just be yourself" or some such nonsense. I'd hope these professionals are giving a bit better advice than that, unless you mean something different?

Yes. The quality of "life coaches" in my circle is... Possibly negative value. I'm sure great ones exist but be aware it's not a regulated or licensed term obviously. I know folks who literally started calling themselves Life Coach one day. Good on them, but have your expectations tempered and / or do significant research :-)

Quite so. I think the problem is that anyone whose accomplishments and personal journey I respect enough to consider them qualified in any way to be giving out advice... probably isn't selling their precious time by the hour working as a "life coach". It's sort of a self-disqualifying description of services.

Good mentors, on the other hand, can be very valuable - but they choose you as much as you choose them, and it's rarely about money, not directly anyway.