I don't think you're far from the truth to be honest.
Floating bases already here.
Some pay for recurrent.
Variable rosters are more the norm rather than exception.
The financials aren't quite there yet. However I'm now seeing £120,000 mentioned as training costs on here. In my day it were around £90,000-£100,000. No double Brexit will be used as an excuse to increase prices. I suppose there would be a genuine cost base increase to FTOs.
The scary thing is that if £200,000 was the price tag you'd still have a queue round the block. You've got the social media aspect and you can't put a price on that. Most of the kids I see joining have their phones glued to their hands taking selfies. There's an EK pilot with a vast amount of followers selling the dream.