You've made your view on that abundantly clear Paddy, as have others. If that's how Brendan and the mods are happy for the site to run then that's their decision, but they can expect that people with a straightforward question to ask will not ask it here if they are fair game to be harangued and condescended to, rather than simply have their question answered.I'm one of the preachers on that thread. The OP on that thread, like others, wants the easy option financially and is willing the kick the consequences down the road.
A lot of people don't seem to want to save for anything anymore. Get it on the never never and it will be grand.
People come on AAM looking for financial advice - they should expect (and accept) a little bit of preaching.