I think it's a great idea. People who love aviation helping out a new pilot build their hours by cost sharing
Another perspective is that this is 90% a horrible idea. When things go wrong, and they will, the news will be full of "inexperienced pilot", "chisel charter", insurance would not cover", Owner denies that their aircraft was permitted this use", and more.
Our industry suffers a very public image problem, and is characterized as barnstorming. As seems to be the knee jerk reaction from a well known accident a year and a half ago, the regulator will be pressured into broad new regulation, and that will hurt legitimate cost sharing. We don't benefit when a pilot takes short cuts toward their learning goals.