Well Nevernmodern, while pragmatism without idealism is pointless, idealism without pragmatism is hopeless.

It seems you assume a debt-free existence. If not, and for most of the rest of us, you'll find traditional ways of delaying your money worries such as new credit cards or remortgaging are being closed off. People are increasingly stretched and lenders are making it harder to agree voluntary debt solutions by insisting on unachievable repayment levels, resulting in more and more house repossessions.