This makes no difference.
The vast, sprawling Wannabe Zombie Army are handing over big fat cheques for overpriced type rating every day by the dozen.
Then working on whatever terms dictated.
Claiming the rock of bankruptcy as a defence.
Ignoring that they put themselves in that rock/hardplace in the first place REGARDLESS of when they signed up - the burden of risk was always on you and your banks shoulders..
There are presently more jobs for Wannabes than for experienced pilots. Thats new.
It is solely because the wannabe pilots are profit centres rather than operational costs.
They are professional cancer and one day will kill somebody.
WWW