Instead of me writing a long blog post on it, see this video here It is a fantastic speech in Parliament by Hew Merriman. Another here by Professor Karol Sikora

Then I regularly look here at Professor Carl Heneghan at Oxford
I feel like knocking my head against a brick wall right now, am I really living in an episode of Black Mirror or the Twilight Zone, it would be nice to wake up and find out it was all a crazy dream.

Also a great article by Dr Mike Yeadon

Still no help for the 3 million excluded from any form of government magic money tree cash sadly.