There is a reality check needed by some of you. How long is the training for say a vet? 5+ years?. Who funds that? You select your career and there is no one forcing you into it. If you truly believe the likes of OAA and CTC are ripping you off then go somewhere else.
I can assure you that the costs of FSTDs and the SFIs to train you(and these SFIs were you many years ago and now expect to be justifiable rewarded for their time circuit bashing, parcel delivery or whatever) are not insignificant.
Comments such as 50% cost cuts are pipe dreams.
Go and do it your way as no one is forcing you into using any providor.