Again, this is a leap of logic not even core to the question. One could argue, and I am, that one would face the same struggles through employer provided training. The difference is doing it on my own is easier with less to learn vers all the stuff crammed down your throat during indoc and flight training.

To suggest I would fail training "because" I didn't get my type through an airline paid program is the very definition of a red herring. Once I hire on with a employer I would still get the exact same training that any other candidate would get, I just hopefully already have the type. That makes airline specific training much easier once I get to that point.