I was trying to make the point that people do not find it easy to talk about their financial arrangements. For the poorest, it is not only a question of shame. Most people will not discuss how they balance their budgets and on what they spend their money. Even those who boast about how much borrowing they have done might not spell out their whole budget. We need, perhaps as part of youngsters' education, to teach them to think and talk more about how to balance budgets and manage income. We are all bad at being open about it, even to our partners.