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  I am making the point that we all have tax planning opportunities to minimise the tax we pay quite legally and legitimately. The individual postman may only save a small amount but collectively if we all were to take advantage of the opportunities open to us then the cost to HMRC would outweigh the costs of the like likes of Goldman Sachs. The government depends on people paying too much tax out of ignorance of the opportunities they have in the same way it depends on some people not claiming all their benefits for the same reason.
  
  Simpler and lower taxes all round would be fairer, less costly to collect and it would be harder to avoid. That is the point I am making. Keith instead of trying to deny the obvious all the time you might want to address exactly the key point I am making.

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