Starfox
I think we are getting to the heart of the debate:
What constitutes P2F?
For example you say that paying for a type rating doesn't count. However I have a totally different view that unless you are repaid the cost of the type rating then it is P2F, or at least pay to gain employment.
I posted a list of aspects that could be considered examples of P2F, as yet no one else has commented on this.
Perhaps others would like to reiterate what they consider P2F?