I was in a very 'fortunate' generation and aged 15, I started work in 1961. I was out of work just once.....in 1982 when the company collapsed. I went to the Dole office to sign on. When they found I had a credit card they made me wait 4 weeks for money, telling me I could live off the credit card (very helpful). They then came to my house to interview me. When they found I had an endowment mortgage they made me cash it in and live on that till it ran out. They literally measured all our rooms to calculate our heating needs. IMO it has got way too soft over the years but heyho its purely an opinion. Whats your (HONEST) experience.