@jim360
//it's hardly a valid complaint if you can afford it. //
I can't counter that without details of 1970s air fares, hotel rates and sundry expenses. Also details of my parents' income level, which I am ignorant of, to this day. The only yardsticks I have are family possessions and the things other kids' families had, or did, which we didn't have or vice versa.
Time has taught me that you can't have a holiday experience repossessed. You can also get £000s into debt, take a load of great holidays, then get that debt written off, like magic.
They never taught me that in school.
p.s. You're talking about exceptionalism, in law. Loopholes for "special" people to slip through. This is, I admit, the way of the world and I still maintain that it sucks. Golf ball through a hosepipe level.