Pure administrative hassle - such as filling out tax returns - may be the biggest impediment to those who wish to find bespoke routes out of these messy markets.

Fans say that they could be worth a goldmine to your grandchildren, but doubters point to administrative hassle and the risk of hidden costs.

Cricketers have to accept, however inconvenient the administrative hassle of the whereabouts clause, that to be necessary for the long-term health of the sport and those who play it.

Some recent measures have brought much-needed simplicity: the introduction of flat-rate allowances on savings income and dividends has spared many of us a significant administrative hassle.

Proximity breeds understanding of how returns are generated, the risks, costs and administrative hassles.