Am I looking for the mortgage I can't have?

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If you are doing nixers, pay your tax and PRSI. Otherwise you are defrauding everyone else who does so.

This may sound naive but it isnt intended to. The state is entitled to its fair share ("Give to Caesar what is due to Caesar" as the Bible says), if you have a problem with people defrauding dole money etc report it, but you must work within the system. Otherwise you will evantually (I hope) get stung for tax arrears etc.