To survive is to be prepared, not only financially, but also mentally.
The mental preparation is something that most forget, which is also probably why many don't reach financial security either.
Values akimbo - but things can change. When it comes to charity, I think at the moment there is a problem where people have the fear of their own future, so will err on the side of preparation. As hard as it is short term, perhaps in some way it is a good thing long term, rather than have the tiny handful take all the opportunity again.
Agreed and debt is a fool's riches methinks.
So many people are owned by the big banks and if anything goes wrong which it often does they will always end up on the losing side.
Been that way for the past 20 years my friend and it's only a very special type of people that will will step up to help.
Believe me when I say that I see life as it is from the hard side of life.
The good thing is that you have also been there and you know it for what it is!