What a fuss about next to nothing.
Councils can use whatever wording thay like and this is a guide for a policy in which a particlular government is enthusiastic.
Taking into account the personal debt accrued by households during the Blair/Brown "yuppie" era, and this Government's attempts to reduce debt over a 5 year period from 2010, I think those who go down that road of criticism are being selective in the points raised.
There are still many from the political left who have never got over Labour's initial enthusiasm for and then misjudged rejection of, the right-to-buy scheme, in the mid 1970's.
They still think and speak as though they know what is best for people, while themselves owning the properties in which they live.