DM does a good deed.

[doodab]

The husband is on minimum wage , budgeting nicely, the husband becomes sick.

You are on a good wage but the husband dies leaving you with a massive mortgage and 3 kids.

You are a single mother on benefits (Your hubby was banging a newer model every month), the benefit office screw up your benefits and take 3 months to fix it.

You are on minimum wage and need your car for work (you are paid about £0.15 per mile by your multinational tax avoiding employer) you family and sick wife need your wages, the car breaks you have no reserves.

You work 3 jobs and one of them is driving a minbus. the minbus breaks and you need £1500 to repair it otherwise you lose those earnings.

You were out of work and missed a council tax payment, the council demand all the money now, you make an agreement to garner wages and you then get laid off, you get a new job and the garnership agreement doesn't transfer, the council demand £600 or the bailiffs take your car.

all happened to my friends / acquaintances.

The last one the person could of done a slightly better job but there was no spare cash.

Now most of us can dip into our current account for that sort of money, for these people its half or all of a months wages.

Exactly. One massive luxury most of us enjoy is not having to worry about how we'll cope if some minor inconvenience crops up and we need to spend a bit of money to sort it out. An awful lot of people, if not most of them, aren't in that position.