There certainly has been a lot of "mal-investment" in flying... or rather... "over-investment" .. asinine prices for zero to hero stuff... the market will eventually even itself out for a while.. and with a new surge of liquidity........soon another generation of idiots will take $100k loans for a shot at a $25k dream... and there will be bamboozling lenders/flight schools willing to facilitate... so the cycle/saga continues....
on a side note... what's wrong with just working hard until you complete your ratings... why does everything always have to be instant gratification?