Well, as far as simulators, for people in the military, they will have the simulators and classes already done and provided for by their military group. That would be a benefit to joining a larger group like that (whether Terran / League, or a player-started group) - you don't have to pay for things like simulators and classes, as the group provides them to its members (since the group wants its members to be trained as good as possible).
I don't think we should charge exhorbitant rates for simulators and classes, though. Individuals will have to purchase time in them, yes, but the reason to actually return to playing the game is the diminishing returns on simulators and classes, not on the rates charged for them. Yes, they may well go broke, but they may also have their schedule set up where they can either profit or at least break even every time step. High rates will only succeed in pissing people off.
The money issue is something else entirely that we should discuss in the money thread (I'm sure it's floating around here somewhere...) :-).