For the record, short of paying for my CPL and MIFR, which everyone but a very select few military types in Canada will do, I have never EVER dropped another dime on training nor signed a bond of any sort. I now hold 5 different type ratings and have flown over 20 different types. Call it delusional, call it whatever you want, but you are only fooling yourself and it will be too late before you will ever realise it.
You remind me of my gran. "£1.39 for a coffee?! You could buy a bicycle for that in my day!"
Times have changed. It's great that you never paid extra for a type rating but the unfortunate truth is that nowadays airlines don't offer what they used to. I honestly don't know what they offer in Canada, but right now, in the UK, it is all but impossible for someone without a type rating to get a job. Nobody is fooling themselves.