As far as I'm concerned this discussion like many others is not about finger pointing rather expressing concern and raising awareness about these serious issues so that those with the balls may take action. If no-one stands in the firing line first nothing will happen.
It is those with the power to act who bear the responsibility to do so. Those without power (i.e: without a job or on a silly 6 month contract) can sign petitions, lobby parliament etc but they have no say compared to company staff and shareholders.
A cadet has no options to pay off his/her £120k bill based on broken promises. The Office of Fair Trading is unlikely to consider any consumer claims re: professional pilot training since the latter was to a high enough standard to meet EZY entry requirements. So they end up working in bars/ Macky D's in between flexi crew tasks. Who profits?
Then there's the very experienced (thousands of hours) pilot who can't get in the door without paying for a type rating.
Finally those in employment aren't immune - heard about an Airline TRSS employee who has finally been offered his preferred base in EU but with strings attached - their TRSS re-payments will cease as soon as they leave the UK!