Let's not forget their propensity for running errands over the lunch hour on weekdays.  They could do those things before or after the time working people are limited to, but sure enough they are in front of you at the grocery store.  And pulling their CHECKBOOK out to pay.

Don't mind me, today was not only the business deadline but my last day of back-to-back appointments.  I might be a little cranky.  I told an elderly gentleman today who asked me to look at his file box and tell me if he and his wife are doing more work than I need them to do.  I told him he brought me more than I need, but that they didn't summarize anything I didn't need.  "Bob, you're not working that hard.  Quit whining."  I said it very pleasantly, but it was quite satisfying.