Many airlines I’m aware of in Europe (apart from Ryanair) have got rid of all their pilot recruitment staff. No need for them for the next few years. There really wont be any recruiting of new pilots for the foreseeable. So yes you are financially illiterate to even consider flight training at this time, blindly following a dream will leave you destitute. You’ve got to be better than that and use a business approach in order to succeed in this industry. Start your training when you actually see pilot recruitment picking up and cadets getting actual jobs.