There are plenty of people with access to this kind of money, however those who do not have rich relatives usually are slightly older.
The South-East's house market means that it is not unusual for people to own a house with £100,000 of equity. This can be borrowed against.
The recent IT and investment banking booms (both now sadly over
), mean that there are plenty of otherwise ordinary people with £50,000+ in cash burning a hole in their pockets.
These factors, plus the fact that integrated courses are in real terms cheaper than they were a decade ago, have lowered the barrier to entry in the airline jobs market.
This is exactly why so many people on here recommend to those desperate youngsters who are trying to remortgage their parent's house at 17 to pay for an Oxford fATPL, to step back, see the world, build up some savings and a good credit rating, then come back to aviation in 5-10 years time.
cheers!
foggy.