The tories look after the people that have, because that also protects their own interests. So other people that are well off will vote for them. You can't blame people that haven't seen what reality really is for other members of society for not understanding their issues. That works both ways.
The majority of tory voters will not have used food bank, or had a problem with universal credit that has meant they have gone hungry, or have been affected by the bedroom tax. I haven't been affected by those issues either, but I do know people that have been. It's very easy, if you don't know them, to write those people off as wasters or scroungers, and put the blame on them rather than the system, when the reality is they are usually hard working people that have fallen between the cracks.
The tories are no better at balancing the books than the Labour Party, despite people believing that they are due to their austerity budget. The national debt has risen significantly since they got into power.
Fwiw I won't be voting Tory or Labour. Other parties are available.
People know what they see. Some people haven't ever seen what it's like to really have nothing.