quinlad. I agree with 3 of your points but not that one about inheritance. I don't know where you get " 6% of the richest " from because in the London area quite modest 3 bedroom houses are subject to IHT and when sold there is also £10k+ stamp duty to pay.
There's not a lot of point, in my experience, in asking Youngmafbog - or any other of his ilk - to "think" or "avoid generalisations" or answer specific relevant questions.
They 'think' in mantras and vocabulary fed to them by their own daily comics (Mail/Sun), so expecting any real cogitation or any form of direct personal response is like asking pigs to fly.
Thank you for your support,Zeuhl. Did you notice I can also spell think? He is that educated he spells it "hink" and I'm just a poor working-class underdog who didn't go to a Private School,Money isn't everything,eh?