The last check I wrote for flight training was 27 years ago when I obtained my Multi-I.
Times have changed. Today, low time pilots are entering cockpits of "proper airlines" whether the training is paid for the entrant or not. The pay to play program is here to stay until the market dries up.
F/Os can't be blamed for a captain's decision if the underlying fear is retaining his. Look back in history at the number of experienced crews (non participants of the "Pay to Play Plan)" that rode their ships into the ground because of the captain's decision to continue the approach in adverse weather conditions, or not land the plane now during emergency situations.
Again, F/Os are captains in training and not along for the ride. Hopefully they will pick acquire the good habits and discipline from the skippers they fly with.