Nobody should be expected to pay for type-rating(s) & I wish to God that the CAA would slap a ban on TRTO's that sell them to wanabees with little or no prospect of employment at the end of the training course. I.e. (imho) only airlines offering employment, for said same type-rated pilots, should be allowed to provide type-ratings.
Some years ago, the CAA nearly did ban TRTO's from selling type-ratings to wanabees - but the big £$€'s involved forced the argument in favour of the TRTO's, whereupon the CAA capitulated, and the rest is history.
Buying type ratings distorts the employment market, is bad for terms & conditions for all, and is a hugely risky & expensive undertaking for the person that feels compelled to pay.
Fortunately my employer (as do many of the better employers) provides free / un-bonded type-ratings for its pilots when it requires them to change aircraft type - and bloody right too !