There is a mix. I honestly believe there are a lot of instrument rated
pilots out there that are afraid to actually fly in IMC because their
CFIIs were too easy on them. For instrument training, more than any
other type of training, student *really* need to feel that their CFII
has taken them beyond what they will need. Your CFII should be giving
you distractions, having you change approaches as you dig for charts,
messing up radio freq etc. From the pilots I've flown with, I'd say at
least 50% of the instrument rated pilots had CFIIs that were too soft
on them and, as a result, they are not confident in the clouds.

-Robert, CFI