I don't fly an A320, just a name.
I stopped paying for training after my MCC. Got lucky with job flying turbo-props, which is what I do now. But if I didn't get a job, would I have paid for a type rating? Well probably not. I know a lot of people choose to go this route but personally, like you haughtney1, I don't agree with it. Because of peoples willingness to pay whatever it takes to get a RHS on a jet the industry is moving in the direction haughtney1 explained.
But that said, I don't blame people for doing what they can to get into an airline. But I think paying for a rating is drastic, and the TRTO's are taking advantage of desperate wannabes
I think the best option for people with money to burn and want to get a jet job then try to get on the CTC thing. At least you wont have to pay for the rating.
Just my opinion too, don't shoot me down.
Good luck whichever way you go.