Recent students are being spoon fed their ATPLs. Didn't have a question bank when I did mine, didn't have a problem assuming you're being taught properly.
Now I admit, if you're using BGS for example you're going to be distance learning, so you won't have a department full of instructors available 24/7, hence the question bank is very usuful. But the amount abuse and reliance the question banks now gets is a joke. I'm glad the ATPLs are being shaken up, it's about time students were made to think.