I've worked within aviation as a FE for most of my working life (I'm now 56 years of age) and I'm now considering investing a huge chunk of my savings just to gain a CPL and do some instructing for a living. My current Ops job just doesn't pay my outgoings! I DO feel for all of you youngsters who aren't gloing where you want to go; especially when you've invested so much time, effort, and money into gaining your frozen ATPL... life sucks!
Quite frankly, short term, I believe that you're better off driving a truck for a living; better income and less grief! Willy Walsh wouldn't give you tuppence for your commitment... I was once with BA; in the good years, and, thoroughly enjoyed my FE job. The good years are over; therefore, don't believe for one moment that you'll ever achieve a similar lifestyle to those who have gone before you. A sad fact of life!
The heartache and pain of gaining a 'pass' of your ATPL exams; worthy of your commitment and expenditure, isn't worth anything within this modern age. We might as well gain a degree in 'underwater basket-weaving'... which is probably worth more than the thousands of pounds of your investment into a flying career!
Good luck to you all.