Better description. Pay to Fly Schemes is one where a pilot pays for their type rating, and a predetermined number of hours of right seat time pulling the gear and moving the flap lever.
The Pay to Fly scheme is one that enables spoiled children to lower the bar as far a quality of and safety of operations of air commerce. Low cost carriers in Indonesia, which are black listed from US and EU airspace, is where one can find most of these schemes.
Management of respected carriers around the world are aware of P2F schemes. The management realize there are and abundant of quality of pilots, who have chosen not to take the P2F route, available for employment. They also know that these are quality pilots who earned their way into the cockpit. They did not use their money, or sphere of influence to gain access to the cockpit. That said, until such time the pool of qualified pilots have dried up, the P2Fers will be left in the deep end to drown... as it should be.
Oh well... such as life.