Come to think of it, Methinks the easiest way i could become a pilot would be to start my own "Airline" of the "We have a cessna you can charter" Variety.
Air Taxi shouldn't be taken lightly. It's a huge industry in Canada and Alaska and can be a stepping stone as airlines cut back on flight crew recruitment. Jim Tweto started his own Air Taxi a few years back with one Cessna 180 - he's now a multimillionaire.
Besides if everything goes pear shaped for you, and the bailiffs do chase after you - at least you would have racked up enough PIC hours to qualify for a reputable airline