The instructor in the twin mentioned in the Chirp report was probably earning reasonable money with his extra instructor ratings. The worry is that he is probably fairly senior in his training organisation and his arrogance will rub off on his students and other instructors.
Bose-X; I think you are correct because this will be the best way to get instructors with the right attitude. It should not however be an excuse to pay poverty wages.
Some hours builders are excellent instructors, but there should be a warning in the human performance and limitations paper to explain the effects of enormous debt on the attitude of instructors.
DO.