Wow, I really must be a lucky diver. I've never had an instructor for any course that wasn't a good diver. All of the instructors I worked with were good people, very capable divers, and I had confidence in their experience and education that they could pass on to me in theory and practice. But as mentioned above, I can read, see, and do in the academic setting, but it really accounts for little unless it's used in real life situations.
My instructors encouraged me to go on to AOW and MD, but not right awaqy. They said to get some diving in, then come back. And that's what I did. So I do agree that in part it's about business and marketing on PADI's part (Or whoever you're diving with), but I have made use of what they taught me in the deep blue. I was able to manage unexpected situations when they came up, including a fairly serious medical emergency. I didn't learn any of that on my own, from "dive buddies" or any of that. I was taught how to handle these things through advenced training. granted, I could have just rushed through and parroted back information for the tests in order to get more cards, but that's not what I was after. I wanted to add to my skills and learn emergency management, as well as get more perspective and experience that comes with the courses after OW. Rescue, in my opinion, was the most useful and important course, but all were of value. Who didn't feel a little better about deep diving after taking that course, or navigation after taking that course...
It's all what you make of it, but it can be very useful. And for this diver, it's not a contest of manhood. I will take any opportunity to learn from experienced divers. There are endless scenarios one can run into down there. No one is a master of all there is to know in any such complex sport. So I'm not mad at the certifying agencies for creating a framework that might be exploited by those seeking ego-cards. I just hope that divers who take those courses use the information to be a better diver and maybe be of use to another diver someday when s*it happens. Because it does happen from time to time...