I agree "for some" usually the lowest paid who funnily enough will probably be the ones that suffer most for not having such a service. However we smoke, drink , drive , have nice things etc can you see where you'd really miss a couple of quid a week?
We can go around in circles with this, we had a 9k fix spread between 3 houses a few years back which at the time would have screwed me, I like the peace of mind.