When in doubt the order of importance influencing your decision should be
Ass-----License----Job.
Couldn't agree more.
And this is why (despite all the people defending the employment actions of ryanair etc) there shouldn't be people on a flight deck with unsustainable training debt loads, working for peanuts who are absolutely reliant on that employer, and the effects of even a short time out of work would be devastating.
Put people like that on a flight deck and you've already lined up a couple of hole in the cheese. You've taken out the last human safety net that could resist commercial pressure from an unscrupulous management.
Its high time that regulators realised that there is a significant flight safety link with peoples employment status, debts etc.