You bet your ass I have. I was a first year FO with a 10 day off line, and I needed money. I'm quite happy our contract didn't forbid me picking up that day. It kept the heat on in the house. Sure, it's nice to say "We're helping the profession," but when you've got an FO that's eating Ramen wrapped in a blanket because the electric bill was too high on the month he got a 10 day off 75 hour credit line, it kinda rings hollow. We can complain all day about "what ifs," but I'm with Stryder and Ken.
I've said for years I don't know why or how you guys go into this industry with a family. I saw what the industry paid and I bailed out for a while until I could get a quick upgrade. I don't know what to tell you in response to your query. My immediate, unfeeling, reaction is to ask what the hell kind of profession is this that guys can't pay their flipping heating bill? Why are we, as pilots, taking these jobs? Is backwards pattern bargaining going to help a God damn thing? Isn't there some way we can either up everyone's pay or up the min credit each month?
Thinking of you and your family freezing in the house, I say forget the profession and pick up the open time, work what you have to work. Family has to come first, above contract, above profession, above your fellow worker*. If you couldn't get it done I'd say move in here with your family until you've got some cash built up again. There's no shame in getting help from the community, I may be in your place someday as well.
I refused to enter this "profession" years back because I saw the pay. I re entered when the getting was good and I was mostly debt free. Other than the mortgage I am debt free. My perspective on, "I have to fly to pay my bills" is different than (I'd guess) 90% of pilots. While that may be bad news, because I've never walked in your shoes, the good news is if this TA comes to a vote there will be 9 yes votes to my one no.
When the Mesaba guys get on a road show trying to polish up the TA, I'd suggest you use the "FO can't pay his bills" argument for what you all are proposing. Make some sort of "it's not bargaining backwards, it's increasing your flexibility as pilots." What you all have hoped for has happened, Kellwolf has shut me up on this issue. While I may not be convinced, I'm certainly done with this topic and I feel we've explored every avenue. My last words are of warning to everyone, your contract language is what management hangs you with for the next 5 years, be careful what you vote for.
*The only exception to that would be scabbing.