Mate,
Get your IR.
Get an MCC.
Get an instructors rating and join the queue looking for instructing jobs.
Apply for airline jobs for years and get nothing but Dear John letters.
You might then look at things differently.
I do not wish to reignite the old debate re self-sponsored type ratings. There are pros and cons of every approach to getting a job.
At the end of the day it's all to do with market forces. If there are enough people out there with the money or access to credit to pay for a type rating, people will self sponsor and airlines will hire them. There is enough circumstantial evidence to suggest that a significant number of people have been hired with self-sponsored type ratings in the past - often by the airline with whom they are doing their base training.
To apply your argument ad absurdum none of us should be paying for our CPL/IRs - the airlines should stump up through sponsorship. But then how many of us self-sponsored (foggy's hand goes up)?
Also notice that quite a few of the people considering the type rating route are (cough) more mature and have families and other commitments. Several years of instructing on the breadline may not be a viable option for them (hell, I'm only 29 and I don't fancy that sort of money again - I struggled to live on similar money last time at the start of my 'old' career).
Sure, it's one hell of a big gamble for the less than rich. But then, isn't life a series of calculated gambles? Wasn't doing the CPL/IR in the first place? You pays your money and takes your choice.
cheers!
foggy