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  It's just gambling, plain and simple. Bonus-driven management (with their own future prosperity assured through ridiculous golden good-byes) coupled with fast-and-loose investors with their weather-eye on the property assets tied-up within a company have no long-term view other than for themselves. All sales talk from you Barry. The jobs and livelihoods of the customers and the contractors do not concern those who seek to profit from the dead. The value of a pension depends on the cost of living too. To deal only with money as money will lead to scenes of old-folk wheelbarrowing their pension money about wondering if they can get to the bakery (if there is one) before the price of a loaf leaps yet again beyond their means.
  
  It is a circle that will not join-up:Making stuff people can afford to buy, paying decent wages (so people can afford...), making a decent profit, investing and growing...so as to make stuff people can afford to buy [so far so good] - then enter the gambler, who insists on getting something from everybody at every turn.
  
  Where there is wealth, there is poverty...again, so far so good, but to insist, as you do, that FIRST the gambler must be assured of a risk-free gamble and all the rest will thrive...in time. Just sales talk.

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