Flying schools can and do go out of business after being there a long time. One wellknown one was expected to recently by those who knew about it; the owner of the land wanted them out and the case was going to court; the guy won on appeal and looks like staying there. The point is it was kept very quiet and not that many people knew what was happening.
Ultimately it depends on your attitude to risk. I've paid for most of my helicopter training in ten-hour blocks to save 10%, and I'll probably carry on like that. I'm aware of the risk - but I consider it's worth it.
Just ask yourself how you'd feel if you lost the money. Could you shrug it off and think: "Ah well, you win some you lose some"? If not, maybe think again.
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Whirly
To fly is human, to hover, divine.