I don't think it's quite the same as an individual asking for £10 because individual budgets and cash are not the same thing as public policy spending. Sometimes for example it makes sense to go into debt for a while in order to make an investment which will pay off later. Currently it seems that we are paying the bare minimum (or less than, frequently) on so many things and this is now catching up and all the dominoes are falling. It will cost much more to sort out this way.
Yes the finances need sorting out first. I think everything is in a big mess because of austerity and many parts of public services being underfunded or restricted for decades, unfortunately. As well as lack of provision being made for issues that are not a surprise to anybody - like the elderly care funding problem which has knock on effects on the NHS, which fed into a lot of the COVID issues, which again wasn't a surprise - epidemics have always happened, and epidemic turning pandemic was well known long before that happened. The NHS was being run right at capacity with no breathing room so when the pandemic hit there was no expansion space, which caused a lot of problems.
It seems like there needs to be someone who goes around working out what various pots of government spending are being spent on and what is working and what is not. In fact I'm sure there are plenty of reports already which explain these things perfectly well. It is then frustrating when you can have someone who is actually responsible for funding decisions read said report and then feel free to dismiss half of it based on their own uninformed opinions. I don't think that should be allowed. I think if there are reports which have been done well to a high standard which explain where funding ought to be allocated, these should be followed as far as possible, not decisions made by a council.
I think we have some major circling issues in the UK which all feed into each other and so it might just be a case of pick one of these to do the absolute gold standard practice on, and wait for it to help alleviate the load on the others, but none of this is a quick fix and that seems to be the issue with getting it into policy.
(The issues being elderly/social care for disabled adults underfunding, leading to bed blocking in the NHS which leads to strain on various NHS services including SEN diagnosis and support, mental health support, which leads to unemployment, struggling parents and more social problems, which leads to parental strain leading to abuse or neglect or breakdown of family relationships, which can lead to more SEN or developmental problems, children struggling to integrate into schools, and/or generational cycles, and increased strain on emergency services, as well as social services/social care, elderly or disabled people with no family support and we're back at the beginning of the circle.)
Actually I do wonder if a lot of the issues in general are this same thing - report gets done which is well researched and looks into every aspect of some issue, and then some individual further down the chain reads the report, says very nice, well done, but then completely dismisses half of what it says and makes a different decision. It makes you wonder what is the point of commissioning these (probably very expensive!) reports.