This is a massive urban myth; it can be used as such, but strictly in a set-up that’s beyond almost, if not every, user here. Not even for your whale that splurges four digits on switches and pedals
The grind wouldn’t be that bad if the game wouldn’t screw over the player for its own issues - oh, a plane flipped because it was spawned inside a building? Well enjoy your randomly assigned penalty, player
I wouldn’t mind doing a ton of flightseeing missions to slowly build up credits, but the possibility that I just may get owned by something beyond my control forces me to build myself a safety cushion from boring cargo jobs beforehand. And game the system in other ways, such as keeping away from the instrument rating.
The core design behind it all is… questionably fun, and “just learn to live with the bugs lol” is not a good retention strategy