We stay for the cash, and job stability... at least for now. The only way you win in this gig, is buy having CX pay off your properties, and you shift this equity for value elsewhere, you don't need to wait till your 65 to do so either. Life comes down to moments and days. There are jobs outside aviation, if your mortgage free, why stay in HK, that's exactly why the new pilot package is a very low housing allowance, so these pilots are stuck here, no cashing out, no dream to fill, just the 40 year future of ensuring they don't miss anything in their top of climb flow while on that crucial annual line check.