Clanger -
I can't emphasise just how much I agree with you. I'm sorry if what I've said before comes across as I do not agree. Most of what I've said is rhetorical or deliberately playing devils advocate to spark a response/debate. And like you say your comments are not aimed at me - just in general.
I have tried not to whinge about it as I am not a whingey person I'm sure theres some cliche about it but in general I just "keep calm and carry on".
Also - agree very much with the child of a millionaire comment...god knows I've come across a few in my lifetime. In fairness there are several who are as down to earth as anyone but not all the time!
Any who - good response. Thank you.