its beacuse you have no clue about real value of money
I take the rest of your points on board, GBB, but to be honest I find that last one a bit insulting.
I'm not the oldest person on these forums but I can handle money and comprehend its associated risks. I havn't got a spare £70k lying around and in fact no one I know does. I've been lucky and I've been unlucky when it comes to funding my training but all my efforts are aimed at reducing the risk.
Any form of training is about calculating risk and none more so than the good old "Integrated or Modular" debate (and nowadays the "MPL or fATPL" debate).
I suppose at the end of the day it depends upon your circumstances, the economic situation, your attitude and the attitude of those supporting you and from whom you have taken advice, how much of that advice you have actually listened to and your personal opinion.
I deplore any implication that anyone doing an integrated course therefore must be minted, must have rich parents and hasn't research the industry or even doesn't clearly understand the idea of a £40/50/60/70/80k loan.
FF