The point is, along with the people who sold phones who are now unemployed, some of Phones4U’s employees, were officer class, just like you. Their jobs too have gone. It’s just another example of people who build and make nothing gutting businesses, privatising the profits and socialising the losses. Slowly, it makes us all poorer. So, yes, this is a lifestyle issue inasmuch as it’s about ensuring that you and your children will be able to worry about things like Farrow & Ball Paint colours, rather than getting another credit card to pay the rent.