Hullo there
I will answer your question with a question...
If you are a huge sellout scab, and no-one is here to tell you that, are you still a sellout scab?
Fantastic how you attempt to use the 'what's best for my family line' in an attempt to justify your self serving position. if you indeed had your family's best interest in mind, you wouldn't be getting into aviation with a very young family.
But to answer your question, paying for type ratings has been happening for over 10 years now in Aus. Before this time however, there seemed to be some weight placed on EXPERIENCE instead of one's ability to bend over and accept pineapples sans lube. But, disregard all this information as is doesn't agree with your concept of what you think aviation is.
Straight home and don't spare the horses.