Smith is a ****... i wouldn't get worried about it.....Some people are just bitter and twisted...
Like yourself i am 25 and just started my training... i know its daunting and its a huge mountain to climb but you DO have to believe in yourself.
I think investing that amount of money is like opening a business and you dont do that unless you have done your research.
I know what my abilities are and personality does come in to play but as long as you're not a complete muppet and can have a laugh and a joke you are ok.
Ninety nine percent of flight crew i fly with (i work as crew for emirates) are just regular lads who have had the balls, the professionalism, sheer determination and cracking sense of humour to make it and are now enjoying the fruits of thier labour flying brand spanking new wide body jets...