Although the financial aspect is an important issue, there are other considerations.
The BA course for licence issue at an ATO lasts for over one year, and it will come as no surprise to learn that it does put a strain on relationships, which clearly is the last pressure you need on an intensive course. And this is when the family is supportive of the scheme.
The BA style of flying can mean that you are away from home for days at a time.
Other airlines have rosters where you return to base daily.
And although BA encourage more mature people to join through the diversity program, the older you are, the more difficult it can become to learn the necessary skills.
So although the integrated course is usually the fastest route for licence issue, the modular route has its attractions where family is the no.1 priority.