If you have no intention of paying back a debt and you have a playbook of endless excuses ready lined up til your creditor is old and infirm...and if the pushback from the odd feisty OAP gets a little persistent you have no trouble escalating words to bullying, before making the threat of petty violence with no problem delivering on ultimate violence...

Another good storyline for a movie about Frank Underwood 's dark political successor in the state pension office