Why do people get so wound up about this matter? All I was saying earlier is to give yourself the best chance it is worth spending the money. An extra 20k or so for a lifetimes career!!!
At the end of the day training and spending your own money involves risks. But if you don't try you don't get. Granted there are the unlucky ones that get nothing years on, but there are also lots of successful pilots that go straight into the rhs of a tprop/jet.
And as for the comment about not being the envy of your mates. How many times do you go to the pub to talk about their accounting job?