Terminal lance on a 5 year contract? how?

Unless youre super out of shape or have a ridiculously high cutting score, how do you never pick up e4 not even once on a 5 year contract? do yall just not care about rank or more money? Dont wanna do mci's or mcmap? shitty pro/con marks? i just dont get how some people promote to E5 at 4 years, and youre still a lance coconut at the end of your 5... any reasons as to why