I have to agree to an extent, I've never wanted to do anything but fly and i've worked hard over the years to save the money to allow me to go and do my flight training which i had always thought would be an integrated course.
Although due to the wealth of experience and knowledge of some of the guys on here i decided there was no rush to spend 100k on a 14 month course based on the current climate but to go ahead at a slower pace with a modular course with the intention of being ATPL'd up in 2012 with no debt and maybe some tokens left over for a type rating if i'm lucky enough.
So i agree with you from the point of view that if you want it go for it but i'm greatful for the points of view and advice of so many on the site which helped me make my overall decision.