All the points are relevant, look whatever you think, the problem is only going to get worse for Joe Average. Those that lived through the last session of cuts, know whats coming, my whole point is, the rich will stay rich and the less well off will be worse off. Its no good saying, "Oh it will be allright" no it wont for those down the scale of income.
The greed of most people is as much to blame as the bankers are.