I sympathise with those who can't afford to pay for a rating. You shouldn't have to do it. But, let me tell you this: Without doubt, the young FO's who I fly with are very good. Even those who paid for a rating. Some of the 55+ year old FO's I fly with on the other hand are bleedin' awful. That's why they are 55 and FO's still.
Speaking as a 50+ FO, and also ex VS thank you very much, I rather resent the implication that I am useless. Ever heard of the seniority system? you need good luck and good timing to get a command, ability comes second to date of joining.
You seem to have both, good for you. Some of us have had !!!!! luck since day one. Please think before issuing blanket condemnations.