Mol has left anyone who has completed flight training no choice but to apply if they can get access to the money
No, you do have a choice. You wait. You keep your licences current, and yes that will obviously mean financial outlay. You work doing whatever in the mean time. You do your best to find ways of flying cheaply, and there are ways, but they require resourcefulness and commitment.
However, that is unpalatable to many, as they view it as more outlay for no return and no career development (understandable to a point) However, as WWW points out, BRK contracts offer zero stability and if the music rapidly stopped (perhaps the only way it would) at FR, then there would be a pile of very unhappy recently TR'd guys out on their ear. So, IMHO, its a calculated risk either way.
Its natural and logical to want a return on your investment. I am just not sure that increasing your debt burden with zero promise of sustained employment is any more beneficial than waiting patiently (but resourcefully and still committed to the long term cause) on the sidelines.