When you boil the issue down it is an economic problem. Airlines do not really want to set up any more training than is necessary, it diverts focus from the main objective, flying airplanes for profit.
The fact of the matter is that economics drives the airline industry. In the cut-throat competition, the customer has become accustomed to fares that are very much cheaper, relative to incomes, than they were in the 1960s. Probably about 1/10th what they used to be.
This undoubtedly led to massive increases in air travel, and the unwashed masses began to travel in great numbers. This increased airline jobs, aircraft sales etc, etc,
But it came at a price, instability. Air travel has become very dependent on the disposable income of the masses. Boom and recession govern this.
When empty aircraft fly around, or sit on the ground, panic sets in, and down go the fares again. The masses become used to fire-sale fares, and refuse (or are unable) to pay the real fares needed to keep "proper"
airlines alive.
There are not many cost inputs that airlines can control, except employee costs. So the employees are being asked to fund ever cheaper fares, so that their employers can afford to compete with the bottom feeders. This drives T&Cs down and leads to all manner of P2F type schemes.
Fix the basic economics and the P2F schemes are just unnecessary hassles.
Problem is, the free market will eventually drive costs (=T&Cs) down to where professional flying will end up going to the lowest bidders. The insurance industry will determine what the acceptable level of risk will be. Sad but true.
