The problem with your analogy Wrighty is this, the "spent accordingly" of the government high roller has been spent on him/herself, whereas the "spent accordingly" of the builder has been spent on the customer's kitchen.
My old mate Wooley is completely correct (he's obviously developed some sense in my absence) If somebody earning enough to qualify for a £300K lump sum can't struggle by with £75K windfall and £25K pension till they drop, then what hope is there for the rest of us?
I do have some sympathy for your predicament, but we live in times of austerity, and although it would be nice to honor a commitment to pay someone who's been in receipt of a 3 figure salary for many years previous their King's ransom lump sum, such largess is no longer affordable.