Your future: Flat Rate prosperity or T&M disintegration?

This guy switched back because, “Flat Rate's a rip-off and gives our industry a bad name.” This man is 12 years younger than yours truly but looks grisly. So, he can't quit; he has little or no savings; uses his clunky old van as his family car; his home is mortgaged to the hilt to support his business. These are the poster-children for your future if you stay in T&M.  

I was monitoring a conversation on a Service Round Table forum and the question arose whether anyone knew of someone who had switched back to T&M from Flat Rate. I did.

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