hi, i'd echo what the post above says about reading old posts. but add some caution - theres alot of crap on here! remember its all other peoples views and not fact.
you seem to have been misinformed about flying!
whats behind the door behind you (ie cargo, poor passengers, or rich passengers) do not effect the type of license that you need, but rather the weight of the aircraft that you fly. in reality, there will only be one license that you should be interested in. the fATPL (frozen ATPL), some times called a cpl with atpl credits.
there are two ways you can go about getting it, one is very expensice, the other is bloody expensive! the modular route (the very expensive one) is where you mostly arrange your own training, and can do different stages of it at different schools.
the intergrated course (bloody expensive) costs about twice as much, now im sure most people will kick off when I say this, but there is little benifit in spending the extra unless an airline is sponcering you through it (many claim it gives you more chance of finding a job - thats not true, getting a job a the end of your training is based on your own merits. but the course is all done at one school and is structured slightly different.
but at the end of the day you will get the same license.
for now go have a play at your local flying school, maybe even try and get some part time work there?