I always think we should be careful when making statements such as “How would you feel if one of your children ended up unemployed and homeless and was sent off to the back of beyond away from any of their social contacts”.
However, taking this away from personal comment I would, as the politicians are happy to say, not start from this point. I feel that we should ensure that the “benefits” system returns to what it was - insurance. That means it would be divided into two, contributory (insurance) and none contributory (state charity). I see this as the making the difference between socialism (Russian style) and social democracy (Sweden, etc.). The big difference with social democracy is it takes everyone along by making them feel that it is there for all in difficulty instead of demonising the rich and making them feel they don’t want to contribute.
So, for those who have lost their job I would have a limited time payment (six months?) of two thirds of their previous salary. This would enable them to continue to pay bills without losing their house etc. Currently you get more out of the benefits system, when you loose your job, if you haven’t saved. Those who have worked, paid their taxes and saved get a derisory amount for six months and then it stops. Those who haven’t saved could well get more and certainly will get it for longer.
The system of paying two thirds could also take into account any necessary benefits being paid to make up a full time income. This would ensure that those who have been working, but on very low incomes, are not penalised. It would take large numbers of people out of the "benefits" system. Those changing jobs within a six month period would only have to show they have been made redundant and then register when they are back in work although you would think the tax system could do that automatically.
We then get back to how we allocate social housing. I feel that someone working in an area should be prioritised - at the top of the list. We used to have council estates full of working people and their families and this is what we should be aiming to do again. The shortages of housing are all in areas where lots of workers are needed. We are currently encouraging people to work fewer hours than full time by making it more profitable for them, so ending up trapped on benefits. Indeed we even do benefits checks to tell them this is the case. That is what I call a lack of compassion. We salve our consciences today by wrecking their futures.