Low houred wannabe's, unless of course daddy paid, have the stress of loan repayments to think of as well as flying a jet full of passengers, its just not right this exploitation, it is always gonna come back and bite you on the sphincter.
It will even effect on experienced captains as it will eventually erode captains T's&C's. Captains should refuse to fly with "self paying" wannabe's, to protect their own positions. In this climate it ain't gonna happen.