Sami wrote in one of his posts, that there are enough slots open in different games, that are more or less half done. I for myself decided not to join any of those, as You have hardly a chance to compete against the big airlines with Your small 2 aircraft airline. All the good airports are already crowded, and from the smaller ones, the good connections are flown by Your competitors as well. Specially in the EU, or US, where the big ones open bases in the second rate airports, You have hardly a chance to be successful. (Well, successful is a question of definition, but I won't spend my credits on an airline, where I can successfully operate 4 regional props with hardly any chance to grow.)
To ease the situation for late starters, I would suggest an increase of the starting capital. The amount is discussable, but I would suggest 20 - 50% per year. I know, there will be a lot of answers now, that the starting situation should be the same for everyone, but it cannot be. The starting situation for someone, who starts two hours later is no longer the same, as for the player, who starts just in the first minutes.
Best greatings
Alien