Chip on my shoulder! pah! Ive got my licence. Also I must wonder how you finished Uni and can still afford to pay for ATPL training? I myself went to uni and I havnt got rich parents. I left because it wasnt going to give me what i wanted and was going to leave me skint. If your degree is such a great thing why dont you use it to to make some proper money and fly for fun ?
Your second point, somebody with 45k can find other work other than direct entry airlines. Nobody said it was going to be an easy ride ( and they wernt wrong) but if its what you really want then you will find a way, even if it means taking an unrealated job to make ends meet and fly when youve got time and a little spare cash. 45k would be approx. 500pounds a month over 10 yrs (its harsh but not impossable). Also just because the industry is in a mess now, it dosnt mean its going to stay that way. Air traffic is set to double in the next 10-20 years after all.
I think youll also find that banks DO care about getting thier cash back otherwise people like darthmuppet (and others i know) wouldnt be moaning about being turned away. If you go to HSBC for a loan you WILL get risk-assesed. If they think your going to miss payments theres NO WAY there going to give you a penny especially as its unsecured. Oh yeah they will do 45k unsecured, i checked.
My final point (hopefully

). When you go for an airline interview youll get asked loads of questions and they will make judgements on your personality. If they just dont like you then 10,000 hrs a degree or whatever will not make a blind bit of difference.