Vortex,
When you go down the "I've got a mortgage to pay and a family to feed" road, you're shooting youself in the foot. Surely if (or when, as I fear) flying becomes destroyed by people willing to fly for a loss as a sort of "I've always wanted to try that" 'job' (only to move on to a proper job where they get paid for their contribution to the company's wealth production when they can't afford any more hours), you're better off finding a non flying job? Even Sainsbury's pay people while they're training.
Saying that you are willing to take this as low as it goes is doing nothing but ruining it for yourself. You say you live to fly, surely you want to be able to fly to live and support your family in the future? Because I fear that you won't be able to due to this increasingly prevalent attitude towards the profession.