I suspect 'Beak' is probably quite correct in his assertion that the Bank of Mum and Dad is often the preferred RYR loan provider.
Unlike most 'contracting' arrangements, the absence of a guaranteed minimum days of work has the banks searching for a 'second exit'. After all, MOL might decide to 'slice the hours cake more thinly' in the future as more eager BRK cadets arrive?
On a personal note; I would like to take the opportunity to thank the BRK Cadets for their continued RYR patronage. Not only do they subsidize my cheap flights to the sun but, most importantly, their RYR fixation means they don't mess up my T's and C's.
Frankly, on a personal level, I fail to see any down side to the BRK / RYR opportunity. I hope every new pilot entering the employment market joins RYR. They get 'hours' and 'Gold Bars'; we get cheap flights and no competition for our jobs!