Yes, I'm afraid I agree with ZD on this one. I've found the division around benefits at the 30K and 45K mark dispiriting. It's turning into a bit of a divide and conquer thing, I think, and I fear will be the thin end of the wedge to lower resistance to further cuts.
45K really won't get you a house anywhere commutable in London, large enough to actually accommodate children, and cover childcare bills. Unbelievable to many, but, I fear, true.
But, yes, there are many, many, many earning below that. And owning a house is not, of course, a basic human right. But not, I think, an aspiration for which people should be demonised in the current economic and social set-up.