Abuse of the emergency payment fund is wide spread. To my knowledge one of my stepdaughters has falsely claimed several hundred pounds from it and then spent the money on partying and holidays. Any system that can prevent that is welcome. In my opinion needing cigarettes or booze is NOT an emergency.
Cookery books and other books - are you keeping them ?
Wrong side driving social media stunt
Fascinating causes of death 1632
How to get help putting suitcase on the conveyor belt at airport check-in

It's also useful to look at the European countries that are up the creek, financially and to realise that we're not that far behind them. Everyone wants more.