Ah, so because you wouldn't take that option, you think the option shouldn't exist?
No not in the slightest. Just if it is offered, my advice to any new starter will not change from "Don't Pay Upfront" I wouldn't, but no-one has to take any advice from me you don't even know if I can fly.......so my advice is just as most here not worth the pixels it's written on, as a future pilot you will be making some possibly life threatening decisions that will not be sorted out on a forum so pay upfront if happy,