It may take a bit of effort to dull the roar of propaganda that threatens to drive the average UK adult insane. However, the effort is worth it. Like Moses in the wilderness, if you can ignore the loud blast of doom from the IVA companies, the rumblings of the financial industry, the roar of the housing industry, then you might just hear a still soft voice that is trying to tell you how to get rich.

The government has decided to take away our rights in an effort to put a stop to debt. This can make the most pragmatic economist shake their head. Less than five months ago the Bank of England was publishing reports that claimed there was no debt mountain.