Why can people ‘only’ ever earn minimum wage?
If you earn much more then you have to cut your hours down, you are only allowed to work a set number of hours and earn under a small amount to keep benefits. If you are moving to a full time, well paid and stable job great, but if itis temporary then afterwards you will spend weeks reclaiming and in the meantime you don't have the money for rent.
What’s to stop them studying/ gaining promotion/ building up a business?
For a lot of people disabilities and / or caring duties. If you have a child who is tube fed you can't work or you can only do a few hours. UC works against you because if your business isn't making a profit (how many do in the first 6 months?) you will loose entitlement.
Did anyone else watch the Sandi Toksvig programme about adult literacy? One of the people learning to read had been an Englisha nd Drama teacher, a brain injury robbed him of his ability to read.
I don't think many people realise just how weighted against people the system is
I'm disabled, I have a full 25+ years of national insurance so I'm entitled to contribution based ESA.
When I was working I paid into a pension, I was able to claim my pension early because of permanent disability.
The government takes half my ESA, that I have paid for, because I get a pension I also paid for.
By the time I get my old age pension I expect that will be reduced by the amount of my private pension.
Be afraid, if you don't have a huge private pension fund or own lots of property you are looking forward to old age in poverty.