That's a fair point.
However, I think I'll just save up a bit, do PPL. Save up a bit, do ME. Save up a bit, do IR. Save up a bit...etc.
Not that I'm saying it's the best for everyone out there. It's just the answer I've come to after thinking about it for a long time.
It works out cheaper in the end, with no debt hung about thy neck. It's at your own pace. And if you decide not to go professional, it's a damn fine hobby.
Cheers All
Schwein-Hund