He even said to me - I won't smoke in your nice bmw.
It's not mine, it belongs to the finance company. If I don't make the weekly payments they take it away. By the time I own it, it will be worth half as much as I paid for it. Some people haven't the faintest idea how the world works.
How is it I have a "nice bmw" but can't afford to smoke like he can? If I smoked a packet of cigarettes a day, here, that would be 400 quid a month.