The only two incidents you mentioned which are available are the Airblue and Bhoja air.
The airblue one is thus with the civilian captain and PAF FO:
During initial climb, the Captain tested the knowledge of FO and used harsh words and snobbish tone, contrary to the company procedures/norms.
8.4 The question / answer sessions, lecturing and advises by the mishap Captain continued with intervals for about one hour after takeoff.
8.5
After the intermittent humiliating sessions, the FO generally remained quiet, became under confident, submissive, and subsequently did not challenge the Captain for any of his errors, breaches and violations.
http://www.caapakistan.com.pk/Upload/SIBReports/SIB-337.pdf
The reminder of the report is available int eh above link, and DOES NOT to even an ounce back up your claim for the PAF pilot being at fault.
Lets go to Bhoja which is the only verifiable example you have given:
1.It was important to find out the reasons of CRM failure which otherwise could have averted the accident. It was observed during the process of investigation that Captain of mishap aircraft was one of the instructional staff when FO was undergoing his initial flying training at PAF Academy as a cadet. Captain always remained a fatherly figure in the mind of the FO. Captain looked after the FO in SAI and later became a factor in his joining Bhoja Air. In Bhoja Air FO flew a total of 23 flights, 16 of which were flown with Captain. FO had an average flying experience and not undergone any simulator training of automated aircraft / flight deck management. That is why, FO kept on reminding the Captain and suggesting a go around to get out of unsafe / hazardous set of conditions after entering the severe weather, but remained reliant on Captain to take the required actions. The FO should have taken over the controls of aircraft to execute a go around once there was inadequate response / inaction by the Captain.
2. In case of Bhoja Air, the Flight BHO-213 was being managed by the cockpit crew who were not professionally competent to operate the flight in the given set of unsafe / severe bad weather conditions. FO did not have formal simulator training for operating an automated flight deck, on the other hand Captain underwent simulator training in South Africa under the supervision of South African instructor and the simulator check was not monitored by Flight Standard Inspector CAA Pakistan. It is observed that during these simulator sessions Captain was not exposed to wind shear / TAWS / GPWS exercises and their recovery techniques. Due to the absence of required training, Captain kept relying on automation to provide him a solution whereas he should have followed the Boeing FCOM / QRH recommended procedures.
3The captain while undergoing his simulator training had seven “satisfactory with brief (SB)” entries. The cockpit crew of his experience, is not expected to perform in this manner, as seven SBs grading of such experienced cockpit crew are considered as poor performance. After the arrival of Captain from South Africa, neither any specific recommended training was imparted nor his performance to manage the automated flight deck evaluated. This was a serious mistake on the part of Bhoja Air management in grooming / training of Captain.
The fault then lies more so within Bhoja's management rather than anything to do with the pilots training. If you are going to hire an inexperienced captain to fly for you then you are asking for trouble.
So again, I ask the merit of your blanket statement? Or is it something based on pure personal opinion and not backed up with any factual evidence?