Yep ... those skirting the 800k / 65k monthly by using agents is the main problem. IMHO When a med or scooter oops does happen, and they are skint, makes us all look bad. If having 65k a month income, good chance you have a CC at least, to cover an oops. Why people leave their home country safety net, on less, is kind of stupid. But stupid does seem to rule. Also surprised, so many at retirement age, have so little, liquid or assets. 40-45 years of employment (20-40/45) and little to show for it. That's sad. Many can, self included, live (exist) on much less, but to be comfy, 65k is a good number. Many need much more, hopefully have. Strange marriage is only 400k, but if an oops, most assume there will be family support. Sometimes, not so much, or simply not enough. Another topic for another day.
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