GJ,
As you say, this topic is very likely to attract comments from both sides of the fence. I've been in the industry for 30+ years from GA to military to GA to airlines - in that order.
Your suggestion does have some merit in that it would help marginal operators to survive. Perhaps, however, the pilot who pays for his / her endorsement should attract a contract that guarantees reimbursement of the cost of the endorsement after completion of two years service. Is that not a win-win situation?