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While others have been plagued by huge debts, nasty illnesses, homelessness or chronic addictions, I've been lucky enough to get through life without any serious burdens dragging me down.
I'm not an addictive personality, so I've never succumbed to over-indulgence in drugs, alcohol, pornography, gambling or dieting. I'm naturally inclined to moderation in all things, some would say excessively so to the extent that I'm too guarded and never let go enough.
I've always had a horror of debt, so I keep a close eye on what I'm spending. I'm convinced that I only have to be in hock to the tune of a few hundred pounds and this'll trigger off a breakneck slippage to the sort of eye-watering debts you read about in the papers.
I've managed to hold on to my home, even when jobless or earning a pittance. Of course in my younger days I made do with seedy bedsits hardly big enough to swing a cat and the rents were correspondingly modest. And it helps if you have someone else to chip in with a hefty mortgage.
Grisly illnesses have so far passed me by, despite my sister having MND and my father having a stroke at 55. Being a vegetarian with a fairly healthy lifestyle must reduce the risk but only up to a point. I've never been in a serious car crash or done a hazardous job. I missed the Kings Cross station inferno in 1987 by a matter of minutes.
How come I'm not labouring under some colossal mishap? How come I'm not in jail or in a street doorway or in a rehab centre? It could easily have happened if my life had taken a different route. There but for the grace of God go I.