Precisely it's YOUR responsibility and therefore I feel you need to take that into account when making decisions about flight training. Too many FTOs are able to lead people by their noses away from the practical aspects of everyday life and that's where the problem lies. The individual has to keep his/her wits about them like in any sales environment. You have the money and they want it and will attempt to get it from you with their sales pitch. That's just the nature of the beast I'm afraid ......