You might have missed it, but you will have woken up on Thursday with a great big present sat at the end of your bed. Well, it wasn’t visible because the present was this. Thanks to swift Government action, we, the taxpayer are now majority shareholders in Royal Band of Scotland. Oh Mr Darling, you shouldn’t have. No, really. You shouldn’t. RBS announced yesterday that it will give families struggling to make mortgage repayments (and there are a lot of them) a slither of respite, allowing every one six months of breathing space. And a roof over their heads, presumably. Economists are speculating there could be a total of 100,000 repossessions by the end of next year, way eclipsing the level of house losses…