Find the time to get your private pilot's certificate, maybe instrument and commercial when you have time (and your own plane). Do this on YOUR terms. If the airlines are ever really hurting as people scream over and over, you'll be able to go from regional FO to major CA in 2 years. Of course 99% of us do not believe this will happen, but if there ever is that much movement, airlines will do every and anything to entice people. In the meantime, ENJOY LIFE. That means something that you are good at, and in the off-hours you can enjoy your passions, such as flying or aviation. I'd think that running a side-gig of flying and maybe instructing, being an examiner, etc, would pay off in spades and allow you to experience aviation to the fullest.
The real problem is betting so much at this stage in your life. It's akin to going to vegas with 30 grand and hoping to walk way with 5 million. You're hoping you don't get furloughed and kicked right back to the start, you're hoping there's no downturn, you're hoping your medical holds up, and so on. While there's a "chance" you'll make it, it's not the kind of odds that most people would take. If the plane had those kind of chances of an engine quitting, a wing falling off, the fuel tank exploding, I wouldn't fly it. I'd have to have a resonable expectation it's going to work out.
To that extent, I'd question your dream, is it aviation? Is it flying? Is it being an commercial airline pilot? Is it spending all day in an airport? Is it spending all day in a beech 1900 cockpit? Is it spending all day in a 787? Is it flying into a dirt strip in the mountains? Is it doing aerobatics? Is it going on long cross country trips to see the country and even get outside of it a little? Do these things require you to be an airline pilot, or are there other ways to do them? There's a multitude of jobs and areas out there where you can work and be in aviation. And there's a plethora that will allow you to be able to own and fly your own airplane. Then there's countless ones where you get to actually fly airplanes, as a flight instructor, an advanced instructor doing aerobatics or warbirds, an aviation insurance guy, one of many local and federal government agencies that operate aircraft, using an aircraft for business in niche markets (get your own 135 certificate on the side, etc), working for cessna delivering airplanes or something similar, and so on. There are just so many opportunities and if you focus on the "I'm going to try and get into the airline business QUICK because I want to be earning $200,000/yr working 8 days a month!" you are going to have a hard time competing with all the other guys out there in the regional airlines, major airlines, 135 operators, corporate pilots, military pilots, flight instructors, and so on. So what do you do? Forge your own path. Find something you are GOOD at that earns MONEY and use that MONEY to pursue your passions without sacrificing your livelihood and quality of life. If the airlines need people bad enough, they'll come banging on doors offering full-paid pilot certificate and experience packages.