Financial risk i agree. But now that I have worked for 10 years, I have save a small fortune to blow in in a hobby that I think I will love (never tried, so not 100% sure). Bought no house, so no mortage to worry about.
In NZ, we can get loan. But loan is not free. It has to be paid back with interest. Unless you died first. If that happens, the govt lose out. Or rather, the tax payer.
Forget A380 for the moment. If say I start now, earn a licence in 2 years, how long before I can command a 737?