""but if most people put a bit more effort into creating a safety net for themselves and saved for a rainy day instead of spending everything they earn as soon as they get it, then they would be able to be more self-sufficient. If I can save a little bit on my 13k pittance then I'm sure most people can""
My DH became ill, but had a wrong diagnosis, so didn't get sickness benefit etc, I was working. That took our safety net. He got progressively worse.
I continued working, but hadn't claimed the Childcare was element on CTC, so had to pay Childcare, luckily family helped us out, also.
We lost our home and moving took all of our disposable income.
We just went into a downward spiral with things getting worse and worse.
If it wasn't for family, we wouldn't have eaten every day. I was Widowed, with three children, it took me years to get on an even keel. There was no possibility of building up a safety net.
When I did volunteering at a Welfare Rights I saw lots of people similar happened to.
I was only on 17k, but we are Up North.
I'm currently disabled and in one week I can spend £40 on taxis to hospital appointments. Ironically I'm not well enough to get the hospital transport.
You can't say "if I can do it anyone can", because that isn't the case.