@ TeaTowel - sorry you were rejected by Ryan, no need for the sour grapes though.
Reality is this is one of the few ways for people to achieve their dreams, things aren't going to change, ever, so all this nonsense about don't do this scheme don't do that scheme because you're damaging t's and c's, is exactly that - nonsense.
For anything to change every pilot would need to be onboard - that's not going to happen.
T's and c's are also getting worse in almost every industry might I remind you, not just aviation.
If you don't want to do it then so be it, but don't scorn those who are taking one of the few remaining viable routes into the industry.