Green Cross Code Man
Wunt be druv
The vast majority of people on this and other similar threads extrapolate their own circumstances on to the entire fanbase. As you say, the fact is that people don’t actually know but that doesn’t stop them from continuing to assert speculation as fact.
Many people have only related their own experiences with the scheme. There are lots here who are personally affected. Along with any contentious issue, there are always a wide variety of opinions and experiences. There is a large enough sample here to suggest that the number in our entire fanbase in a similar situation would be quite large. Of course that is a subjective figure but it is wrong for you and the the poster whose comment you quoted to suggest that all of us fall into the same boat.
And in any case, just because some people argue in a manner that is speculative, it doesn't negate the real points and experiences with the system that many people have.