I've seen people post on Mumsnet that they could afford to buy a house but prefer to stay in social housing - is this the right thing to do, in view of the chronic shortage of housing for people in real need?
I can't know for sure but I suspect many are simply 'saving face'. Can't really afford to buy but because there's a stupid stigma around social housing some people might feel embarrassed to say they can't afford to buy.
The other thing is because Shit Happens sometimes, they'll be aware that if they give up their social home but later on lose their job or get ill or relationship breaks down, or some other unplanned event that leaves them needing to be 'dependant on the state', they could end up homeless. Especially with the attitudes of many on here who think only families with children should have social housing, so if the Shit Happens once their kids are adults they'd be fucked.
Impact of moving away from your settled community shouldn't be ignored either. PP complain about growing state dependancy but why do they think so many people are off sick depressed and anxious? Or needing state care?
Loads of people are made to move for work or housing away from family, friends, and neighbours (who often provide support, practical and emotional). So then more people are suffering from depression and anxiety, and older and disabled people have nobody to care for them (except the state). Being isolated is a big reason for that.
Why do people think there's so many social problems and disadvantage (that increases state dependancy)? If social housing is made into a 'poverty ghetto' it's bad for communities and leaves more people state dependant because everyone else moves away so there's no opportunities.
Better off social renters won't be on benefits so will be paying the full rent. It's not as if they're living there for free.
Bob Crowe strongly believed that social housing should be mixed, not 'poverty ghettos', and he understood the value of stable community. As a PP says he also didn't do Right to Buy. RTB is a major reason why there's now a shortage.
Anyway I don't think it's that many people who wouldn't buy if they genuinely can afford to. A few, maybe, but many people want to own. They'll have mortgage paid off when older so unlike renters won't have monthly cost of housing payment (rent) when retired. Also they'll have equity to free up cash if needed.
I actually know a family who're in the process of buying (not RTB). Currently in social housing but finally able to afford to buy.