My school is interested in making money. We charge for testing. There's no set time for the testing, but few people ever fail, because we don't send them up until we're sure they can pass. We have seminars. They aren't cheap, but they also aren't mandatory. We have a lot of gear available for purchase. Some of it is mandatory for certain events (like sparring), and most of it is not.
We also have 190+ locations across the country.
In many definitions, my dojo is a McDojo. But frankly, I won't accept the titlle untill the martial arts culture can actually make up its mind on what a McDojo is. A lot of what some people call McDojo I would call Bullshido.
As for the quality of my instruction, come find out for yourself.
do you believe you are getting quality instruction?
are you convinced that what you are being taught is useful and realistic for the purpose, i.e. self defense or competition, or whatever your interests may be?
Are you convinced that you are being taught and trained in a way that is realistic and gives you useful skills and a good understanding of what you are doing?
Are you comfortable with the financial demands required to train in the school?
I think these are the most important issues.
You are in a kenpo lineage, correct?
I think most kenpo lineages can be seen as a McDojo, if you really want to. Lots of them, spread out all over the place, headed up by a certain grandmaster. For some of them, money and profit are big issues. Some of them sell all kinds of videos to anyone willing to part with their money. These arent' limited to their own students, but rather are a business venture designed to sell the art and their empire as widely as possible. It's very profit-driven.
I train in Tracys kenpo, and they boasted quite a large number of schools under their franchise at one time. The franchise has been discontinued, but a lot of schools still teach the Tracy method. Not all instructors are very good, however. Some probably should not be teaching at all. Others are outstanding. I think that's the bottom line. Some teachers are great, and would be no matter what system they taught. If you are training under one of these folks, you are lucky and don't worry about it. If not, you might consider it a McDojo and look for something else.