Terri - absolutely agree with your last comment...

But at a point in life when an individual's moral is already sapped by adverse life events that necessitate help from welfare agencies,
the further grinding negativity of protracted disputes with indifferent, frequently hostile petty officials...
whilst submerging deeper into financial ruin..
... is it fair to blame them for sinking into defeatist despair and surrender...

Yes.. sadly.. people are weak and become victims..
it's not good enough that 'tough hearted' tories blame them for accepting 'victimhood' as a lifestyle choice..

It could potentially happen to most of us...