Benefits is a tough one which the government seems incapable of overcoming.
The problem, obvious to most, is the benefits bill is currently in explosive growth mode whilst the economy and growth is stagnant, and it is funded by increasing debt.
Some say we should just tax the rich. Others Labour should break their manifesto commitments to not raise income tax/ NI. But I am not sure that either is going to work well. The real rich are highly mobile so to get real money you need to target the middle class. And increasing tax and NI is hardly going to deliver growth which the economy desperately needs.
On benefits, too much of the benefits system is about can't and far too little about can.
And the system is perverse as those earning low salaries would be better off on benefits than working. Too little is said about side benefits like free school meals, grants for students, free prescriptions/ NHS dentistry, housing benefit etc. etc. which provide significant uplift in 'real income' over the headline benefit figure.
For PIP, there is clearly far too much p-taking. Thanks to the internet, people are highly adept at filling in forms and knowing what to say to get enough points. Yet, there's idea that those who are on PIP are sacrosanct and the benefit is untouchable.
One of the biggest elephants in the room is that simply rejoining the Single Market (not even the EU) would likely solve a good many of our problems by promoting economic growth. Singapore-on-Thames has really been a failure (our wages are too high for it to work, and nobody wants to "resolve" that of course) and we really need to accept that and stop flogging a horse that isn't only dead but never really lived in the eyes of anyone other than Farage and co.
Not sure how high wages affects 'Singapore on Thames' as an idea.
Graduate salaries there are a bit lower than the UK, but not notably so. Plus there are significant differences there which mean lower salaries don't always mean lower disposable income (low taxes, extensive state involvement in the housing sector with the vast majority of Singaporeans living in state housing etc.).
Singapore flourishes on significant government support for the sector (despite the supposed free market, a lot is state-owned), an excellent aptitude-based education system (out of fashion in Britain), low taxes (very out of fashion in Britain), light-touch regulation and strong internationalization of the financial sector (they hand out employment passes like confetti to moderately well-paid bankers which is not in fashion in Britain either).
It has very little to do with wages in the financial sector.
The Singapore on Thames in the UK idea is like me saying I am going to get a six-pack because I like the idea, and then doing absolutely nothing other than eating fast food and lounging on the sofa. It's not going to happen.