Well done TwoBySea for sticking to your principles concerning loans, etc.
It is a sad fact that children of working parents are choosing to scrounge because they see it, not surprisingly, as the easy option. The system therefore stinks, but, more importantly, as I've said before, the stigma behind claiming has gone. And why has it gone? For a number of reasons, but primarily, because of the sheer amounts of families living in this way. This is why its so important to break the spiral. Unless people have a GENUINE reason for claiming, they should feel embarassed that they do so. In past years, this is why people who were made redundant one week, found work, any work, the following week, to prevent them signing on.
I am fully aware of how unfair the system is. My father worked all of his life, fully supported his large family and paid lots into the tax system. When he became terminally ill, we had to literally fight for his allowances to care/benefits (which I have to say were minimal because he had lived prudently and saved a bit). However, a married couple who live nearby and have never worked have just given birth to their 6th child and live in a decent 3 storey house and drive a nice car. It illustrates just how badly the benefit system stinks, although the difference is that my father could look back and be proud of what he achieved - not what the state gave him.