Completely agree with all your points sadj89. Loss's comment "..because it is marketed as though the customer is getting a benefit, when in reality the customer is just getting shafted under a different name.", is of course complete nonsense. I think holidays are worth going into debt for - an overseas trip can enrich a person's perspectives and provide decades of happy memories to share. There's much to recommend doing a wonderful trip at a time in your life when you can fully enjoy it rather than waiting until it is too late.
Completely agree with all your points sadj89. Loss's comment...
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