Ive been flying in airlines for the last 6 years(not long I know) and I have never met anybody who PAID for their type rating. Ive met plenty that have been bonded by the company where they will have to pay back the training cost if they were to leave within a specified period, but thats it.
Anyway the point is im not sure this 'pay for the type rating' thing is as rife as you think, sure there are some out there but not that many. As for not really wanting to be a pilot unless you want to fly fighters, and all in it for the money, absolute tosh! I wanted to be a pilot from the minute i knew what an aircraft was, but was never that interested in the military and certainly never ever got into it for the money.