Fatobs,
I can imagine that some of the attitudes on here are a shock after your career in the RAF but remember; most of the guys in the wannabee forums are in debt, or preparing to go into debt, of around £60,000 (on top of whatever mortgage they may have) to aquire the same training that you received from HRH for free.
When they're faced with returning to previous careers and eating humble pie in order to repay their debts - saving another £5000 for an FI rating (with only a low salary to repay £600 p/m debts to look fwd to) is enough to break some people.
Vito,
"If I found a bag of 40,000 pound coins on the street tomorrow then I would be happy to live a normal life and never go near a plane again."
Based on that admission, my advice to you is to "stop the rot". If that's how you feel then it appears (I don't know you either - just making assumptions here) that your heart is no longer in the industry and maybe you should go for a higher paid regular job and begin chipping away at that debt. Once you leave career aviation you might start to feel less animosity and maybe return to pleasure flying one day.