In which case would be possible to include the following advice (rather than just bellowing out "don't pay up front")
Advice on...
Why many businesses (not just flying schools) place a premium on money paid in advice and therefore offer discounts (which may be substantial) on such payment methods.
How to research the "real" financial facts behind a business (flying schools included)
How to insure against loss of money if it has been paid upfront.
How to build a good picture of the quality (financial or otherwise) of a flying school. Including, but definitely not only, listening to sdvice on pprune.
Such a sticky both here and on the training forum would cut through a lot of the ill informed and often agenda-driven nonsense that is posted on this subject.