1) Yes, primarily because accommodation is a much smaller percentage of income.
2) Taxation (UK income tax and NI versus Deutsch income tax and health) is higher.
3) Don't know but at a guess I'd say personal debt is less as the culture is to only spend what you have. In fact there have been...
I have just looked up the rate for German state health and its 15%, half paid by the employer. This is much higher than UK NI, which covers many things and not just health, isn't it?
In essence everyone has to have health insurance. The state provides health insurance and you can obviously take out private. You choose. If you're salaried the premiums are deducted at source. I think the state policy is a flat percentage and employers have to cough up some of this. If you...