Most people joining the forces do so from school or Uni. They don't think about terms of service. The country however has had a long time to work out a very one way contract which you are then bound into. You should read the small print. (All you guys who did work hard at school should have had the wit to know that)
Now instead of living in your hotel, you live in crap accommodation, get shot at and have to mix with blunties (The indignity of it). Therefore you want out so you can earn mega bucks with Civ Air. However, when you find that Aunty Betty's government have crafty ways of dragging back their dosh (mine too as a tax payer) you cry the house down. Hard luck people!! If you HAD worked hard at school you would have joined Civ Air in the first place, and saved everyone a lot of trouble.
Life's a bitch, then you loose your flying pay. Get on with it and stop bleating.