My guess is that early in his childhood his Dad had a bad luck streak. Then quickly recovered and got wealthy. Also, IRRC his Dad's company reported an income of around 1.5 million last year, I think it's somewhere in this thread.
I was going to say as far as I know he's chronically unemployed and I got the impression he lives on disability/retirement benefit. Lloyd was raised during a relatively affluent time in the UK and if you had both parents working you probably had a reasonable childhood. Particularly since a bike was probably the biggest expenditure on a kid in the UK back then!šI always assumed he was a working class boy from a nice home. You can tell. Upper and middle class Brits have a different vibe about them.
I also remember that BBC interview, it was lousy. I see someone managed to post it.