Just cos they have a big house don't mean they are loaded. I did a house 2 weeks back, a big expensive house and the owner asked if it was ok for me to defer payment to credit till the end of the month as that's when they get paid. Got the payment through today, and a remittance advice from a private non high street bank.
Some people earn lots of money, and live to that limit every month. You can be earning hundreds of thousands a month, if your outgoings are hundreds of thousands a month on mortgages for boats and property, hp payments on flashy cars, membership payments at golf and polo clubs, bills for luxruy etc... then your no wealthier than someone on benefits barely making ends meet.