Yeah I do understand...
But the economy has it ups and downs and the recover might be near.
That's probably why I will go for the PPL and then time will tell what's best. The amount to pay for ATPL is big but that wouldn't be a problem if I could do it while working... But I think I will save myself from these debts bonds and enjoy some private flying doing hours, adding ratings, etc... while balancing what I win and what I spend...