I'm a bit confused here. Training should always be paid for by your employer - but if you're freelance then you are the employer, therefore you pay for it yourself. As others have said, this should then be reflected in the rate you charge.
Similarly, as a freelance I don't have a company credit card so have often paid for overnights myself - but again this is added to the invoice so there is no problem in the long term.
And since the advent of EASA Part-FCL, all training must be done in a sim if it is available.
AFAIK all the NAA's are interpreting "available" as meaning existing anywhere in the world, regardless of cost. So it's hardly fair to blame the company for that one!
All in all, someone complaining about a non existent problem.
People undercutting the market with unrealistic rates, on the other hand, is a major issue