Totally agree. They are all trying to beat the others in the race to the bottom. Why did not one outfit complaining about the ME3 evoque the abismal rostering conditions and cheating on the FTLs? Simply because that's what they'd like to go for as well.
Stay out of the pilots business for good, that's at least my advice to young colleagues. You might have spent a fortune, money the airlines were supposed to fork out, but you are still young enough to change course and avoid your impasse that only leads to spoil your health and relationships and does no longer allow to provide for a decent retirement.
I handed over the savings for education to my son for uni with his honest promise of not spending one dollar for aviation until he has at least a master degree.
30+ years of civil aviation have spoken.