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Agree with everything you've said. I was just commenting that it started for a semi-altruistic reason and, like most things benifiting politicians, has become another way to line their pockets.
Sure I read somewhere that this was implemented (in part) for the benefit of Harold Wilson - in later life the Wilsons had major financial problems due to the associated care costs of his Alzheimers and were looking at having to sell his political and personal archives to cover the cost of his ongoing care.