Too many of recent generations have been brought up with expectations beyond their means. Too many expect to have things such as Sky TV, the latest smart phone or holidays abroad regardless of income. In a world of credit cards, Amazon and streaming services they expect everything and everything now. Life skills such as patience and budgeting seem to have been forgotten alongside those around communication or dealing with conflict whilst self-entitlement only increases. This doesn't apply to all young people by any means, but it does apply to many. Isn't all their fault as it's the way they have been brought up. Forget Sunak's pet project of teaching kids maths until they are 18 how about teaching them more life skills instead-including how to budget!

Sadly, I also recognise that society has changed and for those who have always paid out right for things and never resorted to credit this lack of a credit scoring record only goes against them when it comes to larger purchases like cars or a mortgage. In a country over reliant upon the consumer and financial sectors, debt seems to be encouraged.