I may be repeating someone else, as haven't read the whole thread. I'm on benefits and will shortly go back on to 'assessment' which means my income will go down by at least £30 a week. I live on my own and have a reasonable landlord so, although at terrifying levels of penny-pinching, should be able to survive on that.
I wanted to write my answer to those who judge the poor and prescribe what we "should" and "shouldn't" do. I do things I shouldn't. I've recently bought some stuff for the house and some underwear I needed but should have gone without - I bought them on credit, which is at very high interest. I smoke (roll ups, but still expensive.)
I have a mental illness. I'm not able to monitor myself 100% of the time; now and again I'll get utterly miserable and convince myself a purchase is worth it for my sanity. Stopping smoking causes such excruciating anxiety, I have planned suicide while giving up. Of course this isn't ideal, sane or rational: if I were perfectly healthy, I would still be well-off!
My condition is a common and more-or-less manageable one. Other people have it far worse - what about bipolars whose manic phases lead them to believe they can afford anything they want, or schizoids who hear voices telling them to buy this & that? What about people plagued by awful memories, who use drugs or alcohol to escape them? I'm curious as to how the judges feel we could do better: put us all in hospital, costing a great deal more? Introduce yet more regulatory systems, handing billions over to companies for administration? Or let us rot in doorways?
Being poor isn't a choice, you know. It's what happens when life turns out wrong.