you can have a first officers job without a frozen atpl, you could have a first officers job with a comercial + ir hell you could be a captain! You'd be flying freight and you'd be bloody lucky if you pulled it off, but you could.
Crap Pilot, where is this "hour building for a tenner" going on, whether you need to buid hours or not I fancy some of that if it exists and doesn't involve the foolishness of buying a share in an aircraft.
D'vay