I agree with Lord Black. Welfare has created an underclass and has led to the balloning of the state apparatus. It has also rmoved the idea that we should help and support our neighbours. Why should we the state will do it. This further separates the rich and poor.
Conrad Black: Individual responsibility and the welfare state
The phrase “personal responsibility” has been bandied about commonly in recent decades. In past eras, when one was personally responsible for more or less everything in life, the phrase would have carried little meaning.