I have to disagree with 1) 2) and 6).
Like said its your choice to fly with these inexperienced guys. I know plenty of instructors who have gone back after years in the commercial world. I only flew with experienced charter pilots. My IR instructor had more IF time than I had total.
My partner is looking at spending 130k for her uni degree but doing so over 6-10 years. In a shorter time frame I've spent half that and I'm now on More money than she'll be on after 2nd and 3rd year let alone first year.