Yeap, that's what I said retro. I'm not telling you that losing an income is a penalty to you, because it clearly isn't. A penalty would be a negative thing, and you have made a decision you're happy with.
Likewise, us WOHP don't necessarily feel that not being with our children 24/7 is a penalty. It isn't negative, because our children are happy, secure and we are doing what we are happy with.
That was what I objected to: telling me I am 'penalised' for something which simply isn't true
Now , if we're talking about people who don't want to work but have to, and people who do want to work but can't afford to, then that's a totally different issue, and I have great sympathy with them
But please don't feel you have to imagine penalties which u
Just ain't there for lots of us.