clanger raises a good point, and it really comes down to not believing everything you read on this site, and taking it a with a pinch of salt.
Equally, people in general dont like admitting they've made big mistakes - especially when they've spent £50k+ - and so you get very few saying they're stacking shelves with their frozen ATPL, whilst struggling to pay the interest on the loans - but that's a whole new debate!
Lastly, when people have "made it", unfortunately very few come back to the pprune wannabes forums (with certain key exceptions) and so it's really just the blind leading the blind!