I suspect that a lot of it is down to the UK Government’s changes to the welfare system. Someone mentioned in another thread I think how long it takes for the payments to come through once someone has applied for Universal Credit. Many people, even those who’ve been in work, don’t actually have any reserves of money to fall back on if something goes wrong, so if they then have to wait weeks for support it’s too late.
Read something a while back which made the valid point that the problem with a lot of welfare reforms is that the background of the people behind them, both in terms of the politicians and the Civil Service, is likely to be such that they’ve never experienced being financially precarious. As such, even if well meaning, their ideas tend not to take account of the reality of the the lives of the people who they affect and therefore don’t work very well in practice.