Your shallow and simple arguments are straight from the DM! How can you have a good solid work ethic if there are no jobs to apply this too? How can you say that Brown precipitated the banking crisis when it was a global phenomenon? This is not to say that Labour has been good for Britain. Far from it. After 12 years in power complacency and self interest has corrupted any hope of ever being able to reverse some frankly terrible policy decisions.
However go back to 1979 and the wave of optimism that greeted Thatcher and her promises of getting Britain working, of a better society, of ending the incompetence of the previous Labour government and all of the terrible things that had happened. So we got privatisation of a myriad of businesses, the miners strike, the eroding of the unions powers and protection for workers, the beginning of outsourcing because workers rights were now worth less than nothing, the culture of greed (remember Ben Elton, Harry Enfield on Saturday Night Live?), of wars fought when the tide of public opinion threatened to go against her. Remember Poll Tax and the riots, the riots in Bristol, Brixton and Handsworth, recession and the housing collapse and mass unemployment.
Fast forward to 1997 and there's Blair promising to undo 18 years of Tory policies, spend more money on public services, help the less fortunate, attract more business to Britain to create more jobs. Basically the same promises. Labour had modernised and learnt from the Tories what was needed to get elected. They also realised that once you were in power you didn't necessarily have to pay anything more than lip service to what was said. Cue policies that led us to the current precipice and collapse of confidence. The same cycle, just repeated 6 years earlier.
Does anyone seriously believe that this Tory government will be significantly different to the 1979 or 1997 cravings for change? We're (rightly so) clamouring for change because we've given Labour more than enough chances to fix things that it has broken and it has failed miserably. Cameron's promises of change and policy ring hollow because we've seen it all before - some people will be better off, some worse off, some money will be moved around to plug gaps, services will be cut and the deficit will shrink because the global economy is starting to show tentative signs of recovery and they will use this to show that the Tories are a government of business (whereas they were in the right place at the right time, like Blair). We will not vote for Cameron because his policies are great, are good for us as individuals nor will we vote for him because he has a winning personality - after all like his front bench and the opposition front bench the vast majority are over-privileged public school products with no concept of real struggle and their sweeping policy decisions never affect the rarefied atmosphere they inhabit. So they make their policy decisions with impunity, with advice from the same types of think-tanks populated with isolated academia and public school types, but still we will vote for Cameron. If only because we crave change, any change.
Personally I am sure that my family will be slightly worse off under a Tory government. However this probably will not stop me voting against Labour and I am sure there are hundreds of thousands feeling the same way as me.
Edit: That was DH btw, he really should get his own account