The CAPT program doesn't really qualify for the vilified PFT status because you're not guaranteed a job with an airline, nor are you paying to occupy the seat of an aircraft that someone would otherwise be paid to occupy. In the technical sense, you are paying for training that may or may not qualify you for a job, but you are not buying your way into the right seat of a RJ.
You're new here so just a word of advice...if you want to stir things up, pick a different topic. The PFT thing has been done to death. Look into Gulfstream Academy for your textbook PFT example and use that as a basis to judge whether or not a program is truly PFT.
-j