Eaglejet facilitate paying for hours and a TR if you need it. They are unashamedly a commercial company and take a cut as the middle man.
Another element to this is flight schools selling these schemes to their current student body or using it as a marketing tool to those new to the industry who are blinkered to the glamorous lifestyle we all lead ......
The link takes you to my post on thread concerning OAA and their role in this sorry mess.
Link to an earlier post on OAA P2F Thread
However I would add I don't think its just the schools and companies such as Eaglejet who are fully responsible (they do take the lions share). I commented on another thread and gave a list of who I think are culpable in this sorry state of affairs.
Link outlining villains in the P2F story