Lucky you to be able to „gamble 30k€” where if you do it with a little of planning itd not much less than the complete cost of 0-ATPL training. The guys are just trying to warn people. Just think about it, nów much pilots they need if 2 years ago they were offering 20k€ for joining RYR if u were rated giving a bond for those who were not. I myself have a lot of friends in RYR flying there for years now on unpaid leave.
its all find as long as u are rich guy from Home riaking nothing. But many people are so blinded and naive to Try to take loans just to sign in for the training.