Can I have examples of these calculated risks?
Getting you're parents to take out a massive loan secured against their property without a guarantee of a job is akin to descending past minimums while not visual.
Sometimes it works, sometimes you end up upside down on fire with 6 killed.
And as we have seen in the past even tagged schemes have risks. I won't even get started on the MPL.
This article and thread has unfortunately become an advert for paying. Someone somewhere reading this has realised their money will give them advantage and they'll will sign up for flight school tomorrow. Previously like every other "profession" they assumed they would have to compete on merit alone and wouldn't have bothered.
Of course we all know what HR look for in a pilot:
Money.