Any business will seek to reduce its staffing costs. There are so many people that are/ used to be/ want to be pilots that to get a job, ANY job, they become willing to accept poor conditions/ pay to fly schemes/ lower wages. This is simply supply and demand.
Arguably you could say it is these people that have caused the situation we have now but ultimately it is the number of people that want to fly that makes it possible for aviation employers to set-out conditions as they have done.
As conditions worsen less people should want to or be able to fly as a job, and employers will then need to compete with each other for the best candidates resulting in better conditions etc. This probably won't happen becasuse no matter how bad it gets there are people that still want to fly.
If you ran a business and someone came to you saying they would work for nothing and would pay to train themselves, how much respect would you have for them? If there was a queue of such people what would you do then?
In other industry's an employer would have to train its own staff to do the job they required be done. If all aviation employers had to train their own staff they would then be more likely to regard their employee's as an asset and might treat them better in the hope they would stay with them. Making it impossible or impractical to fund your own commercial training might be a way to force employers to do this. I really don't see any other reason for why it would be in their interest to do so.
Your pilots airline paid for by pilots is really a non-starter, but how about a pilots union, where pilots could work together to seek better overall conditions?