I don't think we will ever see those figures in our payslip. Just look at the average annual insurance rate in the US and compare it to what we pay for our health care system in our respective countries. It's a different system altogether.
I am no economics expert.
Maybe the 1500 hour rule is also a factor. As a European I was against it when I was a low hour cadet, now that I have 3000 hours I would welcome it if that guaranteed an increase in our T&C's. Yes, I am selfish. And maybe here lies the problem; airlines can take in cadets. And after all, how can you reach 1500 hours in Europe? Instructing? Not many schools pay their instructors a liveable salary.