Elderly people will wrap themselves in coats, scarves and gloves to sit in their living rooms. Parents will worry about whether their babies are warm enough, as they add an extra blanket to their cots. Gas fires will go unlit. Electric heaters will be left, impounded, at the back of cupboards. Couples will argue about whether now – now! – is the time to adjust the thermostat and fire up the boiler at last. There"s no choice. But no money to pay for it, either.