Tail Rota you say you have come from dunnunda with massive credit card debts, mortgage and car loan. Well I'll get out my violin and start playing Romanian Tradgedy in E minor for you. I came out of the UK seven years ago in a similiar situation with debt. You must have got lucky to have been able to have a few pounds over to get into the real estate market. Point is aviation in the UK was/is unpredictable and pilots are generally underpaid and overworked. Here you are worked the same but enjoy tax free remuneration, accomodation and many other niceties.
As for my longevity here, I will decide if I desire to become a "twenty-year man" but rest assured it will have nothing to do with "......getting me and my family back home to a normal life paying tax and being free." It will be decided on whether or not the next job is as good as or better than my current one.
I can remember the hard knocks in this industry and I can tell you, for me, this is a good job !
P.S. I'll let you decide if the UK is a third world.