If no one paid anything then it would all be funded by airlines
I have to agree with you but, unfortunately, airlines are run by accountants who are beholden to the board who are beholden to the investors to make money. As they have seen a revenue stream from training instead of a cost then they will, IMHO, never go back to it unless a fiscal gun is held to their metaphorical heads and a lack of flight crew causes a bigger loss further down the line in commercial ops.
Given that there is now a large pool of experienced flight crew who are all desperately trying to cover their bills and costs I would, sadly, suggest that T's & C's are not going to move in the direction we would wish them and that training will continue to be self subsidised, as reprehensible as that may be.