Re: Life goes on
"it is morally reprehensible to avoid as much tax as humanly possible"
Contractors are not avoiding tax, they are running businesses and paying tax according to the tax code.
Do you have an ISA? Do you pay into a pension? Do you tick the gift aid box when you donate to charity? If you do any of these, do you then go to HMRC and say "I avoided this tax, here, have it back"?