All the rhetoric supports the notion that the majority of people who find themselves in financial difficulty are there through their own recklessness.
Phrases like 'exposure to debt' reinforce this view. But actually, for those of us on or around (or indeed less than) an average income 'exposure to debt' is inevitable.
It is no surprise therefore, that when the axe falls at work - through no fault of our own - we find ourselves unable to meet even priority debts. Then, regardless of tenure (at least, for those who own or privately rent), we are at risk of being 'kicked out' of our homes.
A bit more focus on getting people into work and less on cutting deficits is required. Deficit reduction simply won't happen if through doing so we remove great swathes of the population (you've got me at the 'over-egging' bit now!) are moved onto benefits as they've no job.
But that message isn't palatable to 'the markets' who seem to rule the Western World so we continue with swingeing cuts.