One thing is for sure, pilots get a better view from their offices than tube drivers.
I agree regarding much of the financial situation. I've always held the view that you shouldn't risk what you can't afford to lose. While airlines could do a lot more to make the training process more accessible, I also think the candidates themselves should think very carefully about the decisions they make and not just blindly follow their dreams. I'd always urge anyone considering embarking on flight training to really consider
plan B and
what if scenarios so that they aren't ruined if things don't go to plan. But I'd never tell them to give up on the dream nor suggest they were insane for going for it. Someone has got to fly tomorrow's passengers on their holidays after all...