Blackcoffeenosugar, you're being screwed alright, but not by your own decision to not buy a rating. You're being screwed by our low-time heroes who think buying a TR is the way forward. You are, very regrettably, a case study in how the short-sighted are ruining the very profession they claim to love.
The issue of airlines who prefer to fly heavy metal with zero experience guys in preference to those moving up the ladder is one for another post.
Just athought though, you say you are bonded but on much lower pay than jets. So why not try to move onto jets elsewhere, take the hit on the bond, but earn the bigger bucks?