You earn £200. You spend that on drink on a night out. Next day you obtain a 100% loan to value, interest free mortgage (soon to arrive), to buy a £2m bedsit in Tower Hamlets, sponsored and supported by the next Tory govt who are backing BTL.

A year later, you sell it to a Russian arms dealer for £4m, instantly retiring on a £2m tax free profit.

How does that compare?