I often think the problem is where do you draw the line on paying for flying, would you be prepared to work for free for 3 years because you would be well paided as a captain. Some of us will remember the problem US pilots had ten years back when the only way to get into companies was to pay to fly as an FO for a couple of years. It has taken many years for US pilots to rectify that situation.
I have been qualified for 5 years and know the frustration of seeing ex-pupils and friends moving into jets by paying for various schemes but I still believe it is not good for the future of the industry.
Instructing is much maligned but this led me onto bush flying then air taxi then IR instructing then Turbines and if you put in the work you will get there. Also will you ever recover the money you spend? Probably not and as the number of people who will spend the money on shortcuts increase, the salaries and benefits will decrease.