I disagree. I do not think that Hat nailed it at all. It is true that when teams are not ranked, they can only go up, however, they start at 26 and go up on that worksheet. Therefore, a team that starts out with no votes (i.e. 30th or higher in the nation) and ends the season ranked 23rd, only gets 3 points.
While It is true that a team that starts out 1 or 2 can't really make up much iground, most teams that win the national title move up at least 10 spots from the preseason poll to the final poll.
Hat just has a hard team with any word implying overachieving or underachieving. For Hat, there is only achieving.