There are two types of benefit recipient (at least) in the UK, and we ar eind anger of getting them mixed up.
There are those who have been injured, become sick or unemployed through no fault of their own, and require a little support from the rest of us who ar eworking in order to get by. This will probably always be the case, ad I do not object to these sort of people maintaining a car while they are in need, as it is often a necessity in order to return to work.
Then there are those who choose to claim their benefits when they are not really ill, are not crippled with a bad back as they say, and often work in the black economy as well. These sort of claimants are not lazy as such, but greedy, and perhaps these are the people who might be described as choosing to opt out of oru system?!
There are also sub groups of the second type, including those who are incapable of holding a job down through either personality failings, or substance addiction. How much control over this an individual has is open to debate, but these kinds of people ahve always existed and always will.
To me, it is those who choose to cheat the system, either by claiming they are unable to work, or because they have no intention of working at all, that make the current system unsustainable. The fact that expectations of society are so high is a side effect of the consumer and celebrity obsessed age that we live in, but one that certainly contributes to the selfishness of these times.