So, for those fortunate enough to own a house, you probably put your ownership of that on the line . . . for those of us not, we would have to prove to the bank that we were creditworthy enough with the woeful salary on offer . . . . banks are not quite so keen to offer any credit /guarantee as during the (imaginary ) "halcyon" days a few years back when it was still believed money grew on trees. . . . .