Teribus, I really don't agree with your first point, although that is maybe a personal perspective. I would never, for instance, take out an interest only mortgage, I would only incur debt if I could see an end to it in sight.

I do agree with your second point though. I get fed up with people who are really quite well off, claiming to have been "left behind". Its those on disability benefit, those sanctioned as they have been declared fit for work, and those who really cannot work as they have, for instance, learning difficulties, who have my sympathies.

Find you, just because you can afford to go out for a meal, doesn't mean you have to. Always check the food hygiene scores.