You are right to point out that those who fritter away their money get free care compared to those who are prudent.
I know someone diagnosed with dementia. Her and her husband lived very very frugally and put money in private pensions. The council have already said they will be charging them for at home care despite their very modest lifestyle.
A family member also lived incredibly prudently and put a little money aside and managed to pay off a mortgage on a tiny terrace. Never ate out, never had holidays, never had the money to convert the tiny original kitchen to a modern standard. Every penny he had went to the state. Yet one of the care workers at the home revealed he was the only privately funded patient.
The mumsnet morality police aside, a vast swathe of people who haven't bothered to save will get free care and the very wealthy take advice on how to keep their loot. Only the squeezed middle will be expected to be "moral' and pay their way and every one else's.
See a solicitor, a friend's gardener did and has managed to ensure that none of his and his wife's assets went to pay for her care home. They now rest with their daughter who was a struggling single mum but can now enjoy a more secure future. Why should the very wealthy get to preserve their assets while the rest of us suffer? Perhaps a society that taxes properly and doesn't allow individuals and families to amass obscene amounts of wealth is a better way forward.
Also write to your MP protesting for profit care homes. I know someone who owns multiple homes and she disgusts me. She will quite literally shove her latest diamond in your face whilst complaining about having to pay staff minimum wage. She constantly brags about all of her cash. Her biggest issue in covid was that her residents were dying and she was losing revenue. For profit care homes need banning, no one should be allowed to profit from society's most vulnerable.