You know, it's interesting to note that next to religion and politics, money is probably the most sensitive issue around. Even here on the boards you're more likely to hear people discuss health issues (sometimes quite intimately) before income and wealth.
I totally sympathize with disfreaks' vent - I once had a vacation ruined by demands of managers who needed something done "right away" that really could have waited. And for all the stress and hassle of being self-employed, there's something to be said for knowing you might go broke, but can never get fired (and I've experienced both - funny stories in each case.. well, at least funny now

).
There's a subtext always - even on the egalitarian magic, there are those who obviously can handle a category 1 without stress, some who've grabbed a category 4 and will be paying it off for years, others (like your's truly) who can if they choose post a picture of the canal on the inside cabin wall of their cat 11 or 12 during transit day. Of the latter, some are truly paid in full and others will be struggling to pay for even these cabins for some time to come.
It's a credit to the community as a whole that there is a sort of group decision to disregard financial status. Quite a change from the days of the Titanic (where us cat 11 folk would pretty much have had a guaranteed visit to Davy Jones).
Ok, I'm really not going anywhere with this. Except to maybe reinforce Crash's thoughts.... In one of my volunteer gigs I spend most of my time working with people who could never even dream of going on TOAL. The money for even a cat 11 would be beyond hope to accumulate, and credit would have been hard even in the grand ol' days of "everybody qualifies" a couple of years ago, and is out of the question now.
I do find myself exceedingly grateful for my good fortune (and will be more so once I actually have a cabin assignment

), and am often frustrated that for those dealing with tough job/financial situations or health issues, there is rarely more I can do than offer sympathy and wish them the best.