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fun4us2b I think it is an oppressive term used by wealthier people as the reason why some people struggle.
You and I are lucky, worked hard and have done okay.
My Grandfather worked like a trojan all his life and was cheated out of his superannuation by a deceitful employer using a tontine system.
I am sorry to say there are many others, who have not seen the fruits of their very hard labour or have been promised pay increases that never come etc etc