This issue is about experience vs credit rating. When I started flying for money the jobs and demands were expanded as experience was built. If you were lax or careless, violation or accidents were almost a certainty. I personally know of more pilots than I care to count, who "got violated" or worse, dead, for whatever reason. As I progressed through the industry these people were selected out and moved into other careers or graves. Enter PFT, if your credit rating allows it, you can go from almost "0" time to right seat of a sophisticated(semi for the Beech), aircraft. The selection process for success/survival is eliminated by virtue of a Visa card, in essence a percentage of the PFTers are people who would have been selected out of the industry due to their lack of skills, ability or just common sense. Notice I didn't say all, just a percentage. When I was hired into the airline industry, I had 1000 hours of BE99 135 self dispatched freight time and almost 3200hrs of flight time total, the very fact that I was there and alive and with certificates unsullied by the FAA meant I did it right enough to stay alive, and as such a known commodity. I regularly fly with "young" pilots who have never taxied on snow, had to deal with ice, weird companies who want you to take insane chances to deliver their freight, in clapped out rolling dumpsters they call planes. I guess its about experience, "plane" and simple, and guess what you can't buy that, with or with out a Visa card. The best times I have ever had flying were not in the cockpit of an airliner, GA was the most fun/interesting by the way.
PBR