Had a funny moment in the office this afternoon, we were talking about companies persuading you to get insurance against things. I mentioned credit card payment protection insurance and how expensive it is (which is why I never take it out). I explained to our 22 year old that it's not insurance for the items you've bought, but against losing your job and not being able to make the payments.
"Oh well," she said, "people shouldn't have so much on their credit card that they can't pay it if they lose their jobs."
To which the responses of those of us with rather more life experience was:
"Errr, in an ideal world..."
"Don't get a job with the National Debtline!"
Yes of course in a perfect world none of us would live beyond our means (either occasionally or regularly) or lose our jobs.
Shame the world isn't perfect though, isn't it?