I get where you're coming from, all be it expressed in a kind of narrow minded and pity party way, there's so many outside influences that are overlooked or wilfully ignored at play.
I do now and have always worked full time, still needed tax credits to make ends meet - why? Because my child's father (who stated several times that he'd never be like 'that') paid the grand total of fuck all, never mind 50%, and was sanctioned by society and the powers that be to just do it, and have the thousands he owed written off.
I paid 50% and more from earned wages to bring her up, tax credits (or you and I, the tax payer if you prefer) paid the shortfall.
Somehow though I'm the problem, the one earning a ft wage and bringing up the child, and he's amazing for looking after his own kid once a fortnight, where to my mind, he's the issue, he's the one that's doing the scrounging here, I'm paying my share.
Sort that out properly and you've already reduced the welfare bill - I don't understand why it's not more of a priority considering the way people apparently feel about 'free' money, he's getting his share paid and he's a bloody hero for it.
I don't own my own home to be able to sell and pay for any care I'll need - why? Because I've worked in social care and didn't earn enough to save for a deposit and due to paying private rent until I qualified for social housing (due to my situation getting worse).
We need people to work in social care and if we've got a system that pays people the least that is legal for doing it, while charging a fortune to the person in receipt of the care and the middle man keeping the difference, the pay offs are elsewhere, like qualifying for free social care when needed, free prescriptions so they can get well when they inconveniently show they're human and get sick and go back to work, or social housing so they're not living under a bridge somewhere because they can't afford private rent or save for a deposit.
The employer is paying less and the tax payer is filling in the gaps. Pretty much in the same way they are with absent parents and tax credits/UC.
Just because I don't have my own home doesn't mean I've not and am not, facing many of the issues those with a mortgage do, the difference is you chose to do that, for me it was the only option - and now you're shouting about how unfair it all is to the likes of me, because you don't like the downside to your own choices.
I don't much like the downsides to my circumstances, the difference is that I don't have the freedom to make another choice, you do.