Cessna 180,
It's all about supply and demand (and not insurance companies, who often get the blame.)
As far as airline go, if they don't need pilots, the minimum is 5000 pic on multi engines jets, and not older than 21.
If they really need pilots, the requirement is to be warm and walking and have a valid license and medical, and the ability to navigate to the interview room.
Tootle pip!!