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@William.
I'm in the bottom bracket (lol) but then I have a family to support me if I need it. Happy to say I have not had to ask my Dad for money for 5 years, but if I was broke I would always have somewhere to go. Though I'm not rich, I have always felt that I am privileged in this respect.
Riding a bike has little to do with money, for me. The amount I spend maintaining my three bikes, two of which get ridden alot in all weathers and often wear out, probably doesnt save me much in the end compared to a years travelcard or whatever. | ride a bike because I have always ridden a bike, it just wouldn't occur to me to do anything else.