Think of it the other way.
A year has about 2000 working hours. If you fly 400 hours it leaves 1600 hours of ground time. What can you do for the company in those hours ?
What do you expect to be paid for ? The insurance premium for a 19 year old sub 200 hour pilot would probably be off the charts.
When I had about 900 hours my employer was given two options by the insurance: A much higher premium or increase the deductible in case I ding it by an additional 150k.
Get a real job as a fall back in case the doctor pulls your medical. An apprenticeship or university. Or go airlines for a proper way of life with better work hours and the possibility to have a house and feed a wife and kids.