When there is an eventual enquiry, I think they'll find that the failure to cover the costs of self isolation in full (which can be everything from lost income, to the logistics - who walks the dog or cares for your elderly relative when you're stuck at home?) will turn out to be a major cause of transmission.
I decided not to get tested (sole exemption: visiting relative in a care home). I programmed the phone numbers of T&T into my phone so I knew not to pick up. I gave fake details when I went to the pub. I told friends not to name me to T&T.
Why? I'm self employed. I can't earn a penny without leaving the house. I also can't get sick pay - not even SSP - so if I'm well enough to stand up I'm well enough to work. My business was severely affected by lockdown, but I wasn't eligible for SEISS, furlough or UC. I have a dog who needs walking, and because he has behaviour issues he can't be taken by a well meaning volunteer. Professional walking for 10 days would be £140 of extra costs caused solely by T&T. I'd have to pay for supermarket deliveries - extra delivery fees and no timing my supermarket visits for the best yellow sticker reductions.
I wouldn't get the £500 guaranteed payment because I'm not on UC, and don't trust the discretionary one. Even if I did get it, it wouldn't cover my basic living expenses + business overheads for 10 days.
I'd suffer the inconvenience of self isolation, but I'm not pushing myself into poverty to do it when they've spent £37bn on this system.
SAGE has been talking about this issue for a long time by the way.
www.theguardian.com/commentisfree/2021/apr/06/covid-tests-proper-support-self-isolation