[user104658]

Also this;

"The other thing hurting young people is the housing market. When you go to rent a flat the landlord will ask for bills or bank statements and they have to be original copies"

Is utter nonsense. It was an issue ten years ago but these days everyone knows that most companies and banks don't send out paper bills, statements (and increasingly, even payslips) and printed copies are almost universally accepted.

The problem there isn't so much them "not being accepted", as how easy it is for people to manipulate and alter documents.