SPENDTHRIFT footballers must be well and truly at the bottom of any list of supporters’ concerns.
Fans struggling along on the minimum wage won't earn in a lifetime what their heroes do in a couple of weeks.
Getty Images – Getty3 Karren Brady has labelled Gordon Taylor as the Gordon Gecko of trade unionism
So who could blame them for greeting reports that a number of star names have gone bust with a grimace and a wry "fancy that."
Yet the game itself has responsibilities and in this respect there have to be serious doubts that the Professional Footballers Association are fulfilling all of theirs.
Chief executive Gordon Taylor, the Gordon Gecko of trade unionism, is making £2.3million-a-year and appears to think that he is entitled to earn top whack to retain the respect of his members.
I'd suggest another reason is avarice.
Getty – Contributor3 Under Taylor's watch the PFA have let players lose millions as a result of poor financial advice
Like an old limpet, the 73-year-old hangs on to his lucrative salary, doing about as much as he needs to stay in control.
There are several giant-sized holes in his application of good works. One of them is the union's lack of protection of players' interest in investing sensibly.
It is no longer entirely true that players need to be paid well because careers stretch only 20 years or so.
Today, a Premier League regular makes anything from £1m to £15m-a-year and if he can't finance the rest of his life on such amounts then he's a gambler, a womaniser, an alcoholic, a chancer, a raw lad without experience of life or a hopeless case, or maybe all of the above.
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Further down the divisions, earnings are considerably lower and for their subscribers the PFA should offer as near as possible a foolproof investment service, they are certainly not short of the resources to be able to do so.
Clubs may offer words of advice but, frankly, it is not our business to interfere in ANY employees' financial affairs.
A huge field of profit has opened up for get-rich-quick advisers who have devised what they claim to be legal ways of dodging taxes.
A report revealed that three former England managers, Howard Wilkinson, Steve McClaren and Stuart Pearce as well as Martin O'Neill, who has just left the Republic of Ireland job, are investors in film schemes that are being challenged by the tax authority.
I understand The Heist is not one of the films.
EPA3 Wayne Rooney is among the list of players who are said to have received poor advice on investment schemes
Impressionable young players pass the word around that there are ways of outflanking the tax system without understanding the risks they may be taking.
Maybe this is why current and recent players, including Wayne Rooney, are said to be facing a total combined loss of up to £100m on taxes.
One former HMRC inspector described the situation as carnage and one particular adviser as "inept".
Temptation for young pros never stops. They are surrounded by salesmen of every mode. But while a flash car and plush mansion have a re-sale value, it is not so simple to recover a big debt or beat the taxman.