Nice post
The problem is it should not be the wannabes decision to make. There should be somebody enforcing the requirements for training/employment and protecting the industry. Other industries have professional bodies that do exactly that to keep T&C's/wages high and standards uniform throughout.
I do not blame the individual for wanting to get ahead. I blame the already employed and settled, BALPA paying pilots that don't put pressure on their union to wipe this out. Eventually the declining T&C's will tart to affect the Captains of the larger airlines and I believe BALPA will suddenly take an interest. It may however be too late.