To qualify for a state pension, you have to have paid a certain amount to the tax office over the course of a lifetime. As someone whose mental state isn’t up to being employed and hasn’t been for quite a while, I’m certain to have a shortfall in that regard, so I’d probably deliberately give it to the taxman so that I might be better looked after in 20-25 years.

Lots of ifs, ands, buts and maybes have been missed out here, but in my case it might well be the best use of the money.