Ken Heart Money does not, as such, make you happy, it merely takes away the misery of having no money, puts food on the table and allows you to live in a dry warm ... 0C or less for seven days ...

Quite plausibly. And while in one respect it's a fiddle, in her defence it's a fiddle from one silly rule to an ever so slightly less silly rule. It would also mean she has more room to borrow to ...