The rest of your statement seemed much more broad than that, referring to his and others' statements about the importance of budgeting. That is what I was primarily addressing when saying you were minimizing the importance of planning and budgeting in individual lives and instead ranting about systemic woes. The latter's existence does not impact the significance of the former, and your statement that the latter is THE "reason you have no money" (seeming to refer to a general "you" instead of just Clo) is just as much an overgeneralization as what you are accusing Daniel of.

Quote Originally Posted by you seeming the recognize that there are two separate issues
Ultimately saying "Budget better" is something that might help individuals but it doesn't address any of the problems that exist on the social scale
Also, admittedly I had no idea what "jobseeker's allowance" was (in context some type of government-funded unemployment?), and will say that BoB's statement in that context that "many" people make it a living (implying some sort of long-term abuse I'm assuming from Huxley's reaction, instead of him saying that people simply can live off of it) strikes me as highly dubious -- that is something that requires citation, and to something that's not the Daily Mail. Of course, assuming no one takes advantage of government benefits is just as bad as assuming every poor person does, but determining the laziness of a significant portion of an entire group due to the actions of some is disingenuous, and sounds more like a political soundbite than budgeting advice. I'll concede that point to you, Huxley.