Good. I wasn't necessarily referring to you specifically-but there is quite an attitude in the wannabes forums that the direct route is the only way, and airlines are the be all and end all.
You will be able to get banks to part with money if you don't ask for too much and are realistic about your objective. The chances of being taken on as an instructor are higher than an airline, and it costs a bit less.
I do agree that the do it, pay for it and do the next bit approach is not really an option due to ratings lapsing etc. But one just has to think a little laterally about these things.
Don't forget you can cut your hour building bill massively by flying your friends/work colleagues at weekends-so long as you don't advertise the flight, carry 4 or less people, and pay an equal share. Firends tell friends and often you can find quite a few people who want to fly around and see their house etc.
B