When you talk about "Loads of people don't inherit anything or waste their money. Many of them work hard all their life. Some end up with money at the end of their life; some don't - for all sorts of reasons.", you immediately come up against the left or right-wing views we all start from and they are very different.
Each bit of back pay that the Tories are offering is basically an idea stolen from elsewhere, or a repeat or previously offered amounts and all appear to be uncosted. I think the current and previous Tory government are an embarrassment to the country.
I do not believe there is any organisation on earth that could achieve what our civil servants are being asked to do. It's typical Johnson Waffle. James Cleverly was on Sophie Ridge this morning and it soon became apparent that all the promises are to be paid for from future "increased tax take" from future increased earning. In other words, borrowing against a very unknown tomorrow.
As for care, it needs a greater brain than these Hoorays possess. They still haven't worked out that their cuts have destabilised the whole system.
We need, first and foremost to build more appropriate housing so that people can stay in their homes but not become isolated. We need to replace the cuts in daycare so people can get out and feel life is worth living not that they are just waiting to die. We need a decent care system that does not almost totally rely on the good nature of the carers.
... and that's just for a start.
One other point. Those who do not have the capital to fund themselves still pay. The Local Authorities (LA) pay as little as possible (quite rightly). All your income except £25/£30 a week goes toward payment and you lose some of the benefits that those self-funding without the involvement of the LA would keep. Yes, you will probably be in a cheaper room but it is quite possible that, although some only pay a proportion, others loss of income could equal the cost to the LA or even, in some circumstances, be a little more.