Look, Windy, I too can write a list like yours. I support my family and look after them, I help homeless charities and others. That is utterly irrelevant and not the point.
Many people do not have family who can help. The family may be dead, distant, in jail, undesirable, ill themselves, poor themselves. A vulnerable person with a history of MH issues may have alienated their families totally through periods of illness.
Charities in the area may be far away. I've recently been involved in setting up a local food bank. The banks have been put in the areas with the most deprivation. So if you are deprived in one of the more affluent areas around us, you may not be able to access that help.
I help at a local night shelter. As we are all volunteers, we are only able to take people with no drink or drug issues. So those with those problems cannot access our help.
The welfare state is supposed to help everyone. To rely on you, me, other volunteers has never worked universally and never will.
I grew up in a household supporting an extremely mentally unwell person (my great-aunt). I have many childhood memories of being scooped out of bed and thrown in the car as my mother needed to search the streets when she had run away, and could not leave us alone in the house. She and her mother managed to look after my aunt for twelve years at home after she first became unwell. The effort eventually destroyed my grandmother's health and my mother could not manage full-time work, three small children and two unwell elderly relatives. She looked for state support at that time and I thank God that it was actually available. Families can only stretch so far. I was very scared of my aunt because while she totally adored me, she had no idea of her own strength and would cuddle terrifyingly.
It is brilliant you have looked after your neighbours for ten years. But if you had to stop doing so - you are very unwell yourself, you get posted to Dubai - would you expect if they died when their benefits were removed that you would be blamed? The family-blaming on this thread is utterly, utterly unfair.