All the same, he predicts problems for the government if it tries to force the mentally-ill off benefits and into work without the necessary help.

BBC: NEWS | UK | 'My mental illness puts bosses off'

"It's a source of marriage breakdown, of stress, of people being ill, being off work - the knock-on effect of people wrestling with unmanageable debt in their lives can be massive, " he says.

BBC: Valleys church helps community fight debt

With the woes of the financial sector grabbing headlines, technology companies could opt to write-off bad acquisitions now, kill ill-conceived product lines or lay off unneeded workers.

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