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 sh*t luck since day one. Please think before issuing blanket condemnations.