““Recent research has shown that lack of basic security impairs mental as well as physical health, triggers various psychological disorders and reduces short-term intelligence, or ‘mental bandwidth’.18 When people lack, or fear they will lack, something essential such as money or food, preoccupation with daily hassles uses up much of their mental energy. They become worse at problem solving and make worse decisions. Insecurity also leads to lower self-esteem, blunting aspirations for themselves and those around them.19 It is thus to be expected that chronically insecure people may not act wisely or make sensible or optimal decisions, particularly in terms of strategic or longer-term planning. Asserting that only people who behave responsibly and ‘well’ should receive social benefits and assistance is putting the problem the wrong way around.””