Client pool faces debt threat

The marketing research consultant says changes in earnings patterns and fiscal policy mean the level of disposable income available to save or invest is quickly disappearing for those not rich enough or poor enough to qualify for means-tested benefits. “With current social policies favouring families and pensioners on very low incomes through the tax-credit and pension-credit systems, and economic policies favouring entrepreneurs and directors of large companies, those in the middle have little chance to amass capital and are not poor enough to qualify for many, or any, means-tested state...