This is not the USA, where it appears that flying is still affordable. $250 an hour may buy you some CBT or fixed base, but not a full motion simulator approved for the ATPL flight test.
For about $35000 you could consider a full type rating on something useful like an A320 or B737, or if you would be happy with life in a regional airline, a Dash 8 or ATR. The final check can be organised to include the ATPL test. But you will need to find a sim buddy. The whole point of it being a multi crew test is that it assesses support/monitoring ability and overall management skills. Although there may seem to be less emphasis on handling compared with, say, the old single pilot CIR, you do still need the be able to fly accurately without the automatics to pass the test. Pilots with thousands of hours pressing buttons often don’t do well on this test, whereas those coming from a single pilot IFR environment go OK once they learn the necessary ‘soft’ skills.
I am not defending the ATPL test, or the high cost of it, merely saying that’s what it is.
The only way to rationalise it is to consider potential earnings in your first year on an A320 versus the pathetic salaries still being paid at the lower end of GA.
If your ambition does not extend beyond GA, why bother with the ATPL at all?. Some smaller operators actually would prefer you did not have it, as they hate it when they have to replace the pilot who just left for a better life.