This is a story about conspiracy theories...

Can a homeless person with a drug abuse problem get off the streets and make a better life for themself, or are they a lost cause? Are we right to discriminate? Are we right to only let the 'right sort' of people get ahead in life?

What would happen if we were entirely honest in our job applications? What would happen if we put our darkest secrets onto our CVs and were completely transparent about the chaos and turmoil in our private lives? Would employers be understanding? Would we find our opportunities to work, to earn money, and to restore our self esteem, were abruptly curtailed?

I was speaking to a film-maker friend about the high rates of burnout & alcoholism in the banking community. It was hard for me to be overtly critical, because my experience is that once you're 'in the club' banking does tend to look after its people.

Drinking culture used to be ubiquitous in banking. Having a hangover in the morning, being tipsy in the afternoon, getting absolutely smashed out of your mind with your boss... these things were quite normal, and indeed encouraged. Everything and anything would be celebrated with copious amounts of alcohol, and virtually all sins were forgiven.

My first proper job in the City was with HSBC, and while I was there, a colleague was so drunk that he collapsed in the revolving doors and passed out, blocking the entrance. While the story was well known to everybody, this colleague suffered no disciplinary action. The tale simply entered folklore, and would be recounted to tease our colleague.

I was once running a team for JPMorgan, and I was so often drunk myself that I was unable to smell the vodka on the breath of my team member who sat opposite me. It was well known that he was an alcoholic, which is a bit like giving out speeding tickets at a Formula One race. He did eventually lose his job, but it took many years before he had spiralled downwards enough to have become completely ineffectual at his job. There were many, many second chances.

I myself, benefitted from having most understanding employers, in the banks. I have been rescued from fairly dire situations, not once, not twice, but three times now by these generous institutions. It should be a case of 3 strikes and you're out, perhaps. Besides, I have been biting the hand that feeds me.

I'm conflicted over the banks. I had felt like they were acting with immorality, kind of like a big conspiracy. However, on reflection, I think they just employ the best people they can get, and because they pay well they get great people who are very efficient at making money. There's no conspiracy: people are simply incentivised to help their employers profit, and the companies do better if they help their employees to prosper.

The banks have helped me, despite mental health problems, homelessness and drug abuse. Without them, I would be dead and buried or swigging methylated spirits on a park bench.

Obviously, my former employers don't know how charitable they have been. What would be their reaction if they did know?

Tags: #homeless #alcohol #addiction #drugs #banking #career #london