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sohi
I've got an ONS financial survey booked for this evening. Usually takes 1.5 to 2 hours. This time by phone rather than in person.
One of the questions they ask is something like "If you got an unexpected bill of £1000 that needed to be paid within the next few days would you be able to pay it?"
There are a surprising number of people who simply can't do that. No savings, no credit cards, etc.