My comments are directed towords low houred young inexperienced pilots looking for their first job. i have never mentioned anything about further than 3 years away. What I said was that in 3 years time you will be ready for a command and on £60K. It means that the £20K you invested to start with is allowing you to earn £60K. A fair deal.
I agree you cant do this forever, but the point is if you are inexperienced dont jump up and down complaining how hard it is...go along with it or take the long route of FI, turboprop etc.