For what's it worth, I think the benefit system needed an overhaul. A one stop shop idea is sensible. But it was not properly piloted and applied cruelly.
In itself, it's not a bad idea Inky but how about we do this so we know everyone has enough to live on. They may have other challenges and issues and we do need to build more homes but, we could ensure that, like those with wealth, everyone would know they had enough to fall back on.
We could start by deciding what that is. Well, the government has decided that no individual should pay tax until they are getting £12,500 in earnings as they need that to live and they are now saying they are going to raise NI to the same amount so they seem to be sure. Let's say that is what everyone needs for security and let's say we pay each adult that amount regardless. We pay it regularly at just over £240 a week. This would be unconditional, each adult would get it.
Obviously, we would take away the personal tax allowance as you are now being given it.
We would do away with NI so tax might go up but we would see what it actually is. NI is for in-work benefits (including pensions) so no need now as we all get our £240 a week.
We would have to think of a name for this type of Universal Credit which is paid regularly, to the individual, with no conditions attached and cannot be withdrawn.
Mmm. It seems someone got there before us and called it Basic Income or Citizens Income or we could go for Real Univeral Credit 