Get your instructors rating now. Your chances of airline employment are slim if not nil, I would put that dream on ice for the forseeable future. Do what so many of us before you and the rest did. Albeit on a modular basis. Get flying asap, it is your only realistic option. Build hours and get in the loop. Then focus your attention on getting single pilot IFR work once you have a wedge of hours. Dont be fooled, the competition for air taxi work is high, but at least you can be in a position to move in when the doors are open and if you are good enough.
Sit there and rot, waste thousands more on a useless type rating or go and start at the bottom. Its your choice! You can go on about your quality of life etc etc, but the bottom line is, you want to be a pilot so go out there and sort it. Many of us lived on bread and water to get where we are today, believe it! That meant working ****ty instructor jobs etc etc, unfortunately thats life old chap. No such thing as a free lunch.
Best of luck
