Old Dear in a big house has the money? If not, they can sell the big house and buy a smaller one, and they are still set for life. As you said "Why pay for something she doesn't use" what does Ms. Old Deary need with a big house? If she doesn't want to pay for not using it, then simply get a smaller house so they don't.

Compared to 4 young men, possibly on minimum, changing job to job trying to get work in this financial situation without pennies to their name.

Change the example, you got 4 men owning one car between them, compared to Old Deary having 4 cars which she doesn't use. If the old deary doesn't want to pay for the cars, she could simply sell them. Or should the 4 men pay for 4 car's worth while there is only 1.

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