Meanwhile, those whose mortgage was paid decades ago make statements like "well the UK has always been a low-income economy", and ask "why did you come here" when pressed about reasons for the decay and what's the plan going forward (at that point they are letting you know they are upset at you). At best, they'll offer a "there's nothing that can be done" and, if taking it personally, "it's not my fault". In private conversations, they may even say, "no more colonies to plunder, so what were the rich supposed to do?"
Perhaps a whole generation needs to retire. But even then their votes will continue to count – in the wrong direction.
I am hoping beyond hope that someone understands the UK economy well enough to come up with a feasible plan, and has the political savvy and clout to pull it off.