Interesting that times change.
Individual contracts are strenuously resisted by the "party" that introduced them.
Money was not the so called problem.
Recent decisions for the federation stated that "Unions" have the right to represent their members.
It was a bit like a heart attack, you get treated, get a stent fitted, but pills night and day remind you that things will never be as they were, survivable for sure, but never the same.
There is a post well back in history of mine, still feel the same.