You get what you pay for.
You pays your money and takes your choice.
You don't get 'owt for nowt.
Or alternatively:
"They get what you pay for?"
"You pays your money they makes your choice"
"They get a lot for nowt."
Seriously, separating the TR from the line training, I suspect the reality is that one way or another all zero experience CPL/IRs pay for their TR, just not necessarily up front. Personally I have no real issues with that, especially considering how much it must have cost under the old JAA self improver path. For me the issue is paying for line training.
People shouldn't justify paying to perform revenue earning work, that's what it is. Cue Monty Python!
Saying that, if I were desperate enough...who knows.