I don't get HB and I've worked full time since my DTs were born. Thus far, I've spent upwards of £40,000 on childcare to get mine up to school age. Yep, that's right, £40,000. How the hell is any parent supposed to afford that - let alone a single mother or a family with a child who has even-more-expensive SN? I have only managed it because I saved hard beforehand, had an inheritance to help out and managed to get a job that allowed me to work from home from time to time. How many people are that fortunate?
People manage because 4 out of 5 working parents don't use professional childcare in the main. They rely on their own parents or friends. But if we all move to where the work is and we all have to work well into the normal age of retirement, that's no longer going to be an option is it. More and more people are going to need professional childcare, which is decreasing. CMs are leaving the profession in droves and nurseries often have 18-month waiting lists (handy seeing as you only get 9 months notice you've got a baby on the way...) And if you have children with SN it's even worse.
There are 14 weeks of school hols. Even allowing for the usual statutory 4 weeks paid leave, that's 10 to cover at a cost, on average of £200 a week (school hol club here is £40 a day per child for those who seem very interested in this), so £2000 a year NOT including wraparound care during school time. Broken down over the year, a family will be having to pay about £250 each and every month just to cover childcare for ONE child.
So let's all have just one child then. Oh, no, if we did that the population would implode, the economy would collapse and there'd be no future workers around to help out the pension crisis...
I do think we need a radical overhaul of the benefit system because it traps people in poverty, but I don't this this is the same thing as hitting those least able to take it. It's penalising the less well off for being less well off. Where are the opportunities for people to help themselves? Education has become a postcode lottery played and won by the better off and higher education is now a luxury well beyond most people's means. Extra-curricular activities are going the same way in all but the most urban areas. Childcare prices out anyone without family support unless they are earning a decent income. Help for disability is laughable - the rhetoric and the legislation is there, sure, but it's not translating into reality.