A wind up is not going to help your cause much.
The airlines get you to pay for a type rating one way or another, even the big fellas (bonding/reduced salary or SSTR as mentioned earlier). This isn't going to stop until people have less cash and borrowing potential and the only thing that will do that is a property crash and interest rates going through the roof. When that happens nobody will be able to afford the anything and pilot training will reduce massively, resulting in a lack of new pilots. This ain't gonna happen for a few years yet.