Hi Cimore..
when it comes to flight-training you only have to ask yourself one question..
..Can I afford to lose the money I hand over to the FTO...
If your name happens to be Bond or Packer..go right ahead!
If you've had to work hard for your $Aus.... pay as you go and keep your account a few $$$Aus in credit!
If the FTO declines to do business on those terms, find another FTO.
Hardly rocket-science!
Good Luck anyway. bm