Personally I 100% blame the 'union' for making pay as deplorable as it is now. The commuters were never meant to be a career but the senior pilots who couldn't leave were greedy and robbed Peter (the FO's) to pay Paul (them).
As a RJ CA with 5 years at the company I made $100k yet a new FO made maybe $25k? OK great for me but completely unfair (especially if you were my FO, you WORKED for your $$

). CA pay should be around $75k and FO pay around $50k and the total cost is still the same yet the wealth is spread. So much for brotherhood. Airline pilot "unions" are all about ME ME ME. Look at UPS for the way it should be done - same pay across the board, and those guys took a pay cut to keep guys on property. When it came time for a new contract the CA's gave the FO's the lions share of the pay increase because they realized they would be FO's for quite a while and not upgrade like they did. THAT is the idea behind a union. Somehow we've lost touch with our blue collar roots.