I have been shadowing a financial adviser as part of my training , we have been carrying out factfinds , in advance of creating reports recommending where people should invest/protect their wealth.
Most people I visited have got mortgages at the top end of affordability , and little spare income despite outwardly having all the trappings , one last week had 300k house 245k mortgage 35k car finance, 24k credit cards and loans, 1000 a month school fees , out of 4500 a month income, they were as skint as doleys , but have got huge pension pots, I did spot primark bags in the house.
If this is repeated , I think that service people need to look at pricing, as a lot of people do not care about quality , just the job carried ut cheaply as possible.