The problem is that the industry has no real incentive or appetite to change anything, heck isin't even Qantas now in the business of churning out fresh CPLs too?
Its not a problem unique to aviation, education is a big business.
Giving a potential student a moment to pause and consider reality would go a long way, perhaps require them to at least self fund a PPL with the commercial licence being the only one accessed via a loan.