1. "I don't care about getting belts", usually what they really mean is either that they don't value their school's curriciulum and just want to practice whatever stuff they want,
2. or that they're scared to test and are saying that to save face.
I agree with your 1st comment but not your 2nd comment.
When I was in NYC back in 1971, I worked 2 jobs and only slept for 4 hours in the park (homeless) for 3 months, my body was in very bad shape. I could not push myself hard enough to get back in shape. I decided to joint in the local YMCA MA class as a white belt. I didn't intend to learn anything from that class but just tried to bring myself back in shape. When the instructor asked me to take his ranking test, I told him that I was not interested. So you are right, when someone doesn't want to take the ranking test, there is a good possibility that person may not be serious about that style.
As far as "scare to take the test", IMO, that test was just too easy for me.
- downward block, punch,
- upward block, punch,
- side step, block, punch,
- ...
I stayed in that class for 3 months, one day in sparring, I had defeated a 1st degree black belt in front of everybody. That black belt felt so ashamed that he had lost to a white belt. What he didn't know was I had trained more than twice as long as the did. That sparring event just turned everything upside down in that YMCA MA class. I left that class ASAP right after that.
One of my classmates that I met in that class
Steve McAdam is a famous local 7 degree black belt Aikido instructor today. So I was not the only one that was not serious about that MA class.
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