You're right on a lot of that, but I'll beg to differ with you on one itty-bitty little point. Benefits trap and employers. When I was a teenager an extremely traumatic and violent event occurred in my life, I won't broadcast the gory details but I'm sure you can guess the gist of it. I ended up with post-traumatic stress disorder, colloquially known as "shell-shock", had to drop out of A levels and enter the mental health system and your so-called benefits "trap". And you know what? I got back into college, then I got a voluntary job, that led to a paid part-time job, WITH financial incentives easily available from the JobCentre, Tax Credits enabled me to have a very comfortable life living on my own in my flat, then I increased my hours, and if I hadn't then had the sodding bad luck to be hit by physical disability I'd be going from strength to strength. I knew another woman, mental and physical health problems, was out of work for a decade, got out of the "trap" same time I did and is still doing 16 hours a week after three years because that's what she can manage. Conversely a man I know with bipolar who tried to start work under the Permitted Work Rules found, after a few months, that he couldn't handle it at that point. He claimed Twelve Months Benefits Protection and went straight back in at the level of benefits he had been on previously - one short form, no muss no fuss. I accept that there may be a few exceptions but on the whole: benefits trap my arse.