Why submit an appeal? Desperation, I suppose. Folks may feel their best (or only) chance to get a job is in the cleared space. May not make sense hoping for a positive outcome but it is their right to pursue it. Who knows maybe they are getting bad advice that they are paying too much for.
Kinda reminds me of an espionage case many years ago where a cleared contractor was trying to sell classified information. Unfortunately for this guy, he was talking to an undercover fed. He told the fed that he needed to raise money to clear up debts… so he could get a higher level of clearance.