Oh I do beg your pardon on the annual leave point, that is entirely my bad I'd missed that OP had already exhausted hers and was buying additional leave, so you're quite right that our circumstances aren't identical at all on that front. Apologies OP and anyone else for that.
On the “any/all” point, though, I think you're interpreting a rhetorical exchange rather more literally than I intended it. Yes, I would help any elderly neighbour who genuinely needed my help. I obviously didn't mean every elderly person, every appointment, regardless of circumstances or need, indefinitely
And my original point remains: OP is absolutely entitled to say no. I simply don't think an almost-80-year-old neighbour is a “cheeky fucker” merely for asking.
OP is not in a position to help, should she feel bad, absolutely not. Would I assume neighbour cheeky and trying to get one over on her, absolutely not. Would I call an 80 year old a cheeky fucker, absolutely not for that, and probably not at all unless something extreme, which I really can't imagine.
Now the whole CF thing may well be light hearted and flippant, but I do find it in terribly poor taste in regards to an older person reaching out for support, a person whose circumstances none of us are really aware of.
Would my default position be to try and help, absolutely. If I genuinely couldn't help, my reaction would be regret that I wasn't able to, not indignation that they'd had the temerity to ask me. And I'd do what I reasonably could to help them find another solution.
That doesn't make me holier than thou, but this thread does sadden me and make me wonder about community and aging.