This is what I do :
I never paid for a type rating.
I never paid to work.
When I work as FI I want to be paid well ortherwise I do not work and I work only on fixed salary and definite working hours with a regular contract where extra time is well paid.
When I have to select people for any job I do not take the one who paid for tr and flight experience.
May be if we all apply the above we will end up making monies.