MrHorgy I dont really know what point you are trying to make.
No type ratings are free.
In fact no training (except for the military) is free. Back in the glory days BA cadets were on reduced salary to the tune of 20K on starting, so all their training costs were recovered by the airline over the first 5 yrs.
As a student it is far better to have your training / type rating paid for by the airline and be on a reduced salary rather than get huge loans (if able) and take all the risk. If you have a spare ~80K, then it makes sense to pay for everything upfront and be on a massive starting salary ~45K (bmi). Reality is that most people dont have 80K in the bank to spend!