Can't be the money. Some people make a little extra here, but it takes a lot of time and work if that is the main motivation.
Many of us are "yanks", since HP started here-- but I think we have many from the UK, India, Europe, Australia, NZ, and almost every part of the world. I would guess that non-Americans are a majority, though not sure.
As for tagging the people here as "fake", I would say a lot of people are able to express themselves in a very genuine way.
As you said, you are new so perhaps you have not done a lot of reading. Your question may be 'genuine' but might not be the best way to introduce yourself here, since you have not posted a hub yet. You have an advantage-- no one can make general assumptions about you.
I hope we get a chance to see the real you through your writing. Good luck and welcome to HubPages.