Myself and OH have had mixed personal fortune over the last 10 years - so from personal experience know the difference.
Summer holidays with no money is shit - especially when the weather is crap. If you can afford it however, it's great fun.
It's not just the obvious things - summer hols, trips, activities, camps, increase in food costs; it's also if you have the kind of job that can give you time off.
Given that food bank have launched the holiday hunger campaign, AIBU to say that summer holidays is an unequal construct and the 6-weeks off needs to go.