Yes, thats a good point that I missed. I agree that modular is really the way to go these days. Even MPLs are sketchy, like all the delays at the Generation EasyJet MPL.
On a side note, there are insurance providers out there, like Steinn Pilot Insurance for UK students, that can provide some form of financial 'safet-net' should you fail to complete training for personal health reasons, though they won't cover you in the downfall of an integrated course!