Emilian, probably I cannot answer to your question cause we all know what the current situation looks like. If you're concerned about your investement you could consider to train till your CPL and use some of the money to get an FI rating. Probably the best idea nowadays. Also, and this will answer to one of your questions, you could head to countries like Africa where they use to employ low houred pilots flying scenics and charters and you will need just a CPL with 200 hrs, instrument rating and MEP are not mandatory but even this looks struggling actually.