In no particularly order... GP services, better quality roads, dental treatment, AE waits, energy bills, lower rents/better protections - the proposed renters bill is next to useless, a LL can still evict though no fault of the tenant & can still increase rents at the market rate and who sets that??? Energy prices going up, despite wholesale costs going down.... people aren't completely stupid.
On the 2nd point, combination of both but i think its primarily "change" many feel Lab/Tory have had their chances.
As the Brexit vote proved, people don't always vote in their best interests, Starmer has yet to set out his vision in a way people actually understand, i ve no idea what their missions/milestones or pledges are, its all talk, hot air, he talks of closer EU co-op so why aren't we back in Erasmus?
The WFA debacle was one of the biggest own goals possible, as was taking gifts, within the rules or not, its set a narrative that Labour are no different and tory papers/media leapt on it.
When my own Labour councilor who i know very well, privately, says "its been a disaster" you know things aren't going well.