In my opinion, the problem is that we're all dreamers in one way or the other. We dream about a lifestyle that isn't there and most of us are prepared to do anything to make the equation go together. In that process we're tearing up all terms and conditions, making the whole industry a rich man's hobby...
Stop dreaming and smell the reality. We need to be as tough as the beancounters. Only the salary can pay mortgages and living costs. Nothing else.
If you really love flying, do something else for a living and buy your own plane.
/LnS