dhavillandpilot - sorry, I'm not fully up-to-date with the terminology. Is "hot loading" loading passengers with the engines running? If so, I'm pretty sure that doesn't happen (at least it's never happened while I've seen it).
I would have thought that overhauls on the engines were already covered in the budget; surely the operator would have to be sure of the economics of operating the plane before spending so much money on it. Is it common for people to skip this?