Thing is, if you do the sums, its not financially worth it (other than to seriously dent the mortgage).
Every sum I do comes to the same conclusion; if you are deciding based solely on money, walking after your 6 year ROS is the only way. Every year delayed is a years
captaincy pay with the airlines toward the end of your career that you are cheating yourself of.
Which means they are going to have to do something a lot more difficult than throwing cash at the problem. They are going to have to make individuals actually want to stay.