Abagnale,
whilst I loosely agree with your sentiment (and certainly about spending a lot more cash with no job!) I'm not so sure about the disrespect bit. Let's face it, you'll take flak whilst being a pay-to-fly'er, but once you've got the hours IF you did manage to get a job elsewhere, who would know? People will only have a bee in their bonnet about it if they knew you'd paid for the line training...
That said, you are right. CERTAINLY don't go for line training out of your own pocket...