I just wanted to echo most of what has been posted really...
I live by myself, on a half decent salary. To earn this half decent salary, I need to drive 60 miles to work, as I can't afford to live in the town where I work. Even where I do live, the rent is ridiculous, but I can't afford to buy a house because of extortionate house prices. Even if my salary was enough to get a mortgage, I'm not sure I could save the deposit because of the rent and bills I pay by myself every month. So when things like car servicing/MOTs/tax come up, or when something at home breaks down, I really do not have the odd couple of hundred english pounds languishing in my bank account for emergencies. When I still lived at home, with my parents supporting me, I always said 'I'll never have a credit card... '
Are you getting the 'real' picture now Kronas? Please think about things before you make, IMO, really quite offensive remarks...