The old sage PPL/FI who would quite happily bumble about instructing for a few days per month for next to nothing - apart from his/her own enjoyment of escape from the drudgery of his/her 'day' job.
The spotty little git who cannot be trusted to do anything except fly so-called 'trial lessons' and, even then, only until he can escape at the first opportunity to work the wireless in the right hand seat of some people tube.
Two extreme stereotypes.
In fact the PPL world actually needs to keep costs down to attract people into flying for pleasure whilst Bliar's surveillance society still allows it. 'Hours builders' are driven to it out of desperation - there is no other way for them to get the first foot on the ladder. If any blame is to be attached, it lies squarely with the utter, abject failure of airlines to invest in the training of their future pilots.
AOPA does indeed have a position paper on solving the future FI shortage. I wrote it for them. Basically, there are 3 principles:
1. The level of theoretical knowledge required by a FI shall consist of teaching and learning requirements, together with a sound knowledge of the subjects at the level which the FI seeks to teach.
2. The FI shall only conduct instruction to the level of his/her own licence and ratings.
3. The right to give remunerated instruction shall be an inherent part of the FI rating privilege.
'Hours builders' should also note that the major airlines consider some 50% of 'frozen ATPL' holders to be virtually unemployable due to their personal qualities and team skills. Sad, but true. Which is why airlines need to invest in sponsoring aptitude tested pilot cadets.