The answer is yes to all of those questions, Iains, and there will be other factors we have not even mentioned. It is indeed complex, as in any issue involving people. To put the blame at the door of just one or even a few of the issues is futile and counter productive.

Eliza - Glad you liked it. I thought you would and I had the same reaction when I first saw it. I am lucky enough to be able to spare some cash but even then I cannot give to everyone. When I mentioned this to my lovely, caring daughters the advice they gave was brilliant. Even if we cannot give money, we can always give something. A smile. A word. The gloves you are wearing. Give them anything but your contempt :-)

DtG