Look at Westjet, they don't ask for their FO's to pay for a type rating, because they want you to have experience on type, the end result is the same, they don't have to invest in you for training. Which means the financial risk is removed. The same is true for virgin blue, and the same is true of GOL, all LCC's all flying the 737-800.
Wrong, Westjet hires people to fit their profile and they do a very very good job at that, with the thousands of applications they get each year they can..and are picky. You will do a complete type rating whether or not you have one now.
On another note...my brother in law is a cardiologist...I can't wait for the day when he comes to our house and says: "Hey, guess what, we just hired a pay to defibrillate guy..he fast tracked his career by going to the Eat your heart out institute, paid a fortune to learn how to slice a watermelon and now we'll teach him how to slice carbon units like you. "
