Dave Ramsey

Another part of our discussion at work today centered on Dave Ramsey. Some in our group thought that he was a net "bad guy". They thought (or seemed to think) one or more of these things:

1. He "preys" on people who find themselves in a desperate financial situation.
2. His financial advice is mostly obvious.
3. He charges too much for his information.
4. He is more interested in making money than in helping people.
5. He's a "cult-like" figure.
6. He's made himself into a brand, some sort of product.
7. He's more fluff than substance.
   

So, what's the answer? Is he a good guy or a bad guy?