Agree with most of what you say, Stuckinthemiddle... and certainly that life is a journey not a destination.
I also agree that I wouldn't want a life on benefits. I have never, ever heard anyone say that they aspire to their own children living a life on benefits either. Parents who are on benefits themselves (and I talk to a fair few, as a teacher) say that they want something better for their children.
But it is a reasonable question to look at why things have gone so badly wrong, and why so many young people (even while their parents are desperately wanting something better for them) end up feeling that they are penalised for working hard, studying, going on to University etc. And why is it so bloody hard for people on the minimum wage? Why do low paid people end up no better off than people on benefits? And why do people on reasonable incomes often end up hardly better off, after they've paid every single bill out of their own wages, including the highest childcare in Europe?
Also, I think that while someone made the point earlier that it's worthwhile living the frugal life when you're starting out, for the sake of the eventual payback, I also think this is another way in which people feel let down. When DH and I were starting out, we lived in a series of cold, unheated, dingy flats. That was in our early years of working - not just as students. And when we had three young children, and were spending thousands on childcare, we really struggled. But we did it all with a longer term view.
However, the Govts have moved the goalposts so many times, that people no longer have faith that there will be a payback. Study at Uni and rack up the debt, and hey ho, you'll probably join the unemployment queue. Pay loads into a pension - and hey ho, there won't be enough funds left to pay out. Oh and while we're at it, let's keep everyone working a few years longer. Save hard, buy your own house? Let's tax you to buggery when you die. On the house that you bought with your taxed wages in the first place! And don't get me started on those of us who dare to stay married and work! Just when you've got over the expense of childcare, you get the shock of post 16 education!
Is it any wonder that many people, who have worked hard, and been frugal and sensible, feel they've been sold a lie?
I repeat: I do not think people on benefits are living the high life (apart from the few exceptions you read about in the DM) and I would hate for myself or my children to live as dependents of the State, but I can totally understand why many working people feel on a day to day basis, that they hardly see any financial advantage to working