MD absolutely I agree with you. A lot of people live way beyond their means and what they want now rather than later. I was just trying to say that just because a person may earn a lot doesn't mean they are well off, just like some one who earns middle to low income is not always struggling.

Strawberry I don't really know their exact circumstances, but I don't think its fair that they are entitled to it when all the money they get is pretty much disposable. In those instances I really think that assets should be taken into consideration.