Did you ever see a plumber having to bring his own tools into a company? Or a nurse having to buy the beds for the patients first? Maybe we should start to pay even for the checkrides when employed or go further - pay for the seat you're sitting on to earn for a living ( as seen at Thompson if I remember right, the saving was a bit aten up by a hard landing inspection, see thread in rumours).
Paying for a typerating with 3000hr experience is either selling yourself below value or hiding something which may have lead you into serious trouble.
Most people I know say having experience on TPs (or piston twins) is the most valuable time you can get to improve your flying skills, improve cooperation and coordination with other crew members. You didn't gain your experience for nothing. By throwing away it's value ( your value) you would have.
Furtheron, getting a job isn't just about being qualified or not, is it? Who do you want to sit next to you in the future? The one that is qualified or the one that offered most in the betting? Can you be sure the guy who paid for his rating is being checked as thoroughly as someone who didn't? That may be the case with big operations, but would it in smaller companies? Who do you want to share the skies with? A mummy's boy who can afford to pay? That's what you suggest to almost every employer by buying your typerating and that's what already happens. T&C is a one way street in most cases.
Being the last on the list means being the first to be laid of. Who guarantees you a prosper future with a typerating in hand and a new job? Your employer already knows you were even paying for it, how far would they go ( would you go)?
If a car dealer came up to you and offered you a car, adding to expect big discounts, where will he end? He will make customers (employers) believe that quality (you) comes at a bargain price - making every economy obsolete. Will he be successfull in a short time?That's what just happens in Germany. Take a look at the market in a year.