Everyone one those doctors, as a consultant, are almost fifteen years in the making for the specialist qualification.
MBBS is a 6 year undergrad and a 4-5 year post-grad (depending on the UNI), and that gets you to residency, basic RMO doing rotations.
For most specialty programs, you then have at least two years worth of RMO work before you can apply. Once there, you have to make it through the specialty program, for a FRACS and FRANZCA there are another 5-6 years on their separate registrar programs (competitive years at that!!) and also include a fellowship year before qualification, and some very expensive exams to sit over that time...and college fees...and liability insurance and public indemnity...and study. That's before you even mention the shift work those two specialties are notorious for.
So usually, even if you started your training early, and depending on the specialist program you enroll into, you'll be late twenties to mid thirties before you're fully qualified and achieve any solid earning potential, and the first thing it goes towards is clearing a substantial debt for the training you've done. They then have their triennial reassessment to maintain qualification, the college fees don't end.
Most of them have worked many years in the public system before going into private to help clear debts and set up superannuation as well. I don't know any doctors who have gone into the profession for the money, that's not to say they don't exist, but I don't know any.
If you don't want to pay private, go through the public system. Personally, a $2500 out of pocket and being able to choose my own surgeon is a price I'd pay happily. I don't begrudge the system, there's a good mix of private/public sector in our system and it makes sense. I'm more pissed that nobody has gone back and fixed the PBS, because that gatekeeper system has become so fucking bloated and doesn't allow for bidding. There are substantial costs that can be saved with a few sensible tweaks to that, and nobody is doing it.