Flying training does not have to cost that much, personally I did not even start training until I was certain that I had enough saved to pay for all training and support myself during training plus a 15% contingency. That meant being patient, getting off my backside and denying myself luxuries.
Perhaps saving 50% of the cost of training and keeping at least part time employment during training would be prudent and show a degree of due diligence.
I suppose in an ideal world there would be loans available that would not be repaid until the candidate is working and earning over £25k pa (like UK university education loans), unfortunately the real world is not an ideal place.
The ready loans available to people in the past have no doubt help fuel the imbalance between supply and demand, perhaps if loans were less readily available then a better balance could be struck.