well, I think it's a simple way to try to understand how people would behave in certain situations. for example, what would a person choose : a person that love him/her or a million dollar money?,... face and getting over their phobias and fears or (once again) money?,... lots of crazy life situations.
Most of the times,..human beings are just too complicated to understand,.. maybe we can learn something from this reality show stuffs. Who knows?