I'm lucky enough to have a decent housing association flat. I've seen private rents for similar (or worse) properties that can be double what I pay.
Debt is the big thing I've been able to avoid with my increased earnings, really.
If I want to buy something (say 'hello,' my Nintendo Switch) or when an unexpected bill arrives then I can usually find a few hundred quid to pay for it.
I've previously been in low-earning jobs where I had to use an overdraft/credit card on a regular basis and it's not a fun way to live day-to-day.
It's crazy because in a lot of cases it's then the Government that then has to help fund living costs via benefits with the rental prices. I get everyone who has invested in property wanting to make money, but some take the piss, and on top of costs you usually find if they're ripping the arse out of monthly costs they're also the kind of landlord to never fix anything and hardly lift a finger to help.
The death of affordable/council housing being built at a good enough rate has given way to private owners buying up lots of property and charging an arm and a leg. I *think* it's worst in some parts of England. It's the Tory way, favouring property buyers who then privately charge a riot of a price, rather than the Government caring about social housing.
It sure isn't, but until the day the earth burns out there will always be debt culture and people struggling. Banks love debt, business loves debt, debt is how you successfully legally enslave humans. The best we can do is offer what reasonable comfort/support we can as a society, and as I said above realise many of these people do the jobs we still need to be done for society to function. Don't take them for granted or look down on them just because you escaped that having to be your life. Nuance is nuance, and sure there are individual examples of people taking the piss out of benefits or not trying, but even in some of these cases, you can unravel people who have either had awful upbringings, been abused or are suffering from mental health issues. Not everyone is some calculated lazy slob. Quite honestly most aren't. You think
anyone really enjoys living a life of severe poverty and reliance on hand-outs? It's precisely why so many self-medicate, drink alcohol and so on.
No one is born like that from birth anyway (outside of genetic traits). Life/upbringing shapes most minds. As someone else said your parent's wealth/status is often a springboard for many to become wealthy themselves. Compassionate, caring societies tend to offer hope to people, and that feeds in belief and makes people want to self-improve (within their potentials, as no, not everyone can be a doctor/scientist/teacher/pilot). A big brother state which punishes heavily handily, and is perceived to favour "the man at the top" while running rampant with elitism/privatisation just leads to apathy/anger/frustration and potentially
revolt. As in fuck the society, fuck the country, fuck the Government and what the fuck is the point of me trying? Which boggles the mind how many in that position, or teetering on it, go out in droves to... vote Tory. I guess the strength of the implanted British way of "blaming the other", where the other ends up
not being the Government (it's immigrants/those poorer than me), is indeed pretty rife.
The Daily Mail and UKIP can definitely take their credit for successfully
brainwashing many into those ways of thinking. Ultimately, one of the main reasons I support the SNP is the compassion in the message. Too many think that isn't a powerful tool to rebuild/help a society, but of course, it is. "Basic" psychology. The power of offering hope/positive vibes/compassion is at least one-third or even half of the battle. Sure, words are words, and it can be quite costly on taxes to fund social care/services in a country, but that is where you have to collectively as a population try and decide where the priorities should be.