I’m not so sure that schools keeping money is an “atrocious unethical practice”. If you are offered a course placement it is encumbent on you to fulfil the terms of that placement, since the course could have been utilised by somebody else who did.
This is why a school needs to do a proper assessment.
Integrated Flight training courses consist of academics and practical flight training.
If you wash out of the academic portion you should be refunded all the flight training funds that were not utilized.
Academic funds maybe not as buildings, utilities and instructors need to be paid for.
But if you’ve paid €90K for an integrated course you should get unused funds returned.