sadly to coin a phrase 'fools rush in'
most of us would have jumped at the Ts&Cs as they are now
You are contradicting yourself.
The complaining here comes down to what has been achieved versus what was actually reasonably expected given all the information at the time.
When you started flying, you expected to be on 3 figures for a long time.
If these T's and C's had been known - including the finance details - as they would become, when we were thinking of signing up, then I suspect that there would be a lot less complaining on here now. Expectation versus achievement.
It's all relative, so try to be a bit less abrasive in your response.