What has been described here is nothing especially new...if you want to be an airline pilot, and there are no company funded schemes available, pony up the cash.
End of story.
Don't have the cash to pony up, or....do not desire to do so?
Find another way to make a living/find another profession.
It really is that simple.
Bit*hing and moaning will get you absolutely nowhere.
And, company management couldn't care less.