The cost of self funding these courses is that in 10 years time, you, yourself will not be able to command any reasonable salary as all pilots will be expected to self fund training by companies.
Seeing the rot is easy....Stopping the rot means taking a stand.
I'm guessing though that in 10 years time, you'll be sitting in the front of an aircraft complaining that you're up to your eyeballs in debt and your salary barely covers the interest........