“Whether it's a penalty or a tax, it's all one in the same. It's coming out of somebody's hard-earned money in their pocketbooks and that's the point. So in some ways, to me, it's a distinction without a difference.”

“I have a fear of poverty in old age. I have this vision of myself living in a skip and eating cat food. It's because I'm freelance, and I've never had a proper job. I don't have a pension, and my savings are dwindling. I always thought someone would just come along and look after me.”