t'aint natural
I know how you feel. Unfortunately it appears that JAA instruction regulations have been "commercialised" just like the regulations for twin rating training (no wish to change subject here). So unless you are instructing for the likes of Oxford or that you have excess income from another source, it is now difficult to afford the cost of being an instructor.
There is a small chance that the NPPL will make things easier if there is a lot of demand. What is stupid is that the NPPL is so much like the "old" UK PPL that we had - what on earth was the point of changing it all, only to turn around and go back to the original system to try and attract more people to gaining a PPL.
It may be that in the UK, within 10 years we will only have the commercial flight training organisations remaining.