It's a very big problem, but it seems to be the way the industry is going, even Bmi regional make you pay for the TR on the emb135/145 £2000 up front then £163pm total cost £12000. I know with FR you need to pay the toal up front but even with Bmi regional you still pay, Jet 2 is another, I think.
Camel, you need to make the grade to get offered a place on the FR TR, it would be a waste of time for the applicant and FR to have someone sitting on the flight deck who couldn't cope with the pressure but had 20k to spend and at the end of line training FR say thanks but no thanks, whats the point in that.