Tax credits rely on someone who is struggling to stay afloat to fill in yet another set of forms, correctly and then wait for the government to process it.

They were and still are a disaster in the UK - something like 20% of eligible people have never claimed and now billions have been overpaid - yes, clerical error and overly complex systems means the UK government is trying to claw back over payments from some of the poorest in UK, who have already spent it anyway. It's ridiculous.

No - keep it simple stupid, almost everyone can work out what they have to spend by looking in their pay packet. Working out what complex tax credit - no way