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  Marek, an interesting point is what one considers to be the concept of 'simple existence'.
  
  When I describe my upbringing in the fifties with no TV, telephone, central heating, double glazing, my father on his moped going to work whatever the weather (no car), holidays at home,shared bedroom with siblings until I went to University, my students view it as third world deprivation, whilst from the aspect of the lower middle classes of the time it was nothing unusual and as Super Mac told us 'we'd never had it so good'.
  
  My siblings and I have all done very well (my brother having just bought a third house for £1 million plus) and all from non inherited wealth.
  
  What standard of living are we expected to provide for those who have got themselves in a position where they are less well off?

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