The CIA typically recruit through a combination of carrot and stick - i.e. bribery and blackmail.
"Hey dude, let me tell you about this sweet slightly dodgy thing I can get you in on."
... ...
"Oh by the way, I hope you like all that money you made. I work for the CIA. Work with us or go to jail, your call."
More commonly than not it's not about self-preservation, rather protection of loved ones - read up on Operation Mockingbird, which was driven pretty much entirely on this basis - luring journalists in with a subtle bribe hook, then using it to blackmail them.
Link me to a case where NSA/CIA/FBI blackmailed AND worked with / gave money to an individual at the same time.