I don't agree with pay for line training schemes and paying for your own type rating isn't ideal either. However, to suggest people who have done either are to blame for the current mess is horlicks. If you are going to take that line of argument you may as well blame anyone with a credit card guys.
Borrowing money with an awareness of how much you will pay back over how many months/years and with a firm plan of how you are going to do this is one thing, to borrow recklessly without any thought as to how the debt can be re-paid is something else altogether. I would suggest someone who borrowed cash to fund a cpl/ir and a 737 rating would fit into the former category.
I'd vent your frustration towards the financial institutions and credit companys who have willfully lent money they could never hope to recover, and will now be bailed out with taxpayers money.