I'm with Lord Spandex on this one.
The only reason these PTF schemes, and SSTR schemes are out there is for one reason, and one reason only - because people are dumb enough to pay it. Simple as that.
It's the same reason why they charge you £6 for a cup of tea in a service station, why? Because we're dumb enough to pay it.
It isn't the airline's fault, it's the individual's fault. What I want to know is where is all the money coming from for these people to spend £130,000 on full training? I don't get it.
You may ask "what are these people supposed to do then"? They come out of an integrated course with £100,000 worth of debt, they need to do something so it then spirals out of control. Well don't do the training if there are no jobs. The flight schools are full even when we are sliding into recession and beyond. It's completely bonkers.