I don't doubt that most of what you say is correct, however if you cost yourself £50k on the modular route,and you can start on £40k+ in the airline's, how exactly does this not cover your outgoings? Bearing in mind the average UK salary is £27k.
You seem to apply your rules vey subjectively, even though you succeeded. Surely you can see the irony in having done exactly what people are asking you, with great success and aplomb, you are then doing your damnedest to stop people. When in reality you should be able to push the positives and say, "I did it".
Which part of the world are you working in?