I think your overlooking the main point here, which is that its alot of money for a young person from a normal background with no financial support from there parents. The cheque book really does rule here!
7.5 years working in Aviation, 5 years in the Airline sector, 2.5 in Business Aviation. Ferry and Business Jet jobs are practically impossible for newly licenced pilots due to the hours requirements! My job involves dealing with a number of senior pilots on a daily basis.
If you have a problem with me affording a modular course then please come and join me on a nightshift, I might even buy you a cookie!