> It's normally deducted directly by the employer regardless of the salary That's why paying cash "in envelope" is a common practice in SMB. "Grey salary" as i

> It's normally deducted directly by the employer regardless of the salary That's why paying cash "in envelope" is a common practice in SMB. "Grey salary" as it's called there: minimal wage level part is payed officially, rest is not. > People who don't pay utilities eventually get disconnected from electricity/gas etc. That's more of exception than a rule. Huge debts for utilities (for 1 year of consumption or even more) are quite common. As also practice of "shame lists" in apartment lobbies with apartment numbers and sums of debt.