All very well PNZ, but what you (and people like you) havent considered beyond the next paycheck is that an FO wage flying A320's used to be able to support a family and a mortgage. It cant now.
At what point in your career would you like to be able to do that? When you have a command? I'll tell ya mate the next global financial cock up is just around the corner and there will be no such thing as a pilot shortage for a very long time. NZ or overseas. I'll tell ya that for free.