This applies to older people's care only.
Yeah totally. If you have assessed assets you quite often have to self fund*, and interestingly many private sector providers are gearing towards the self funder market so they can charge a self funder more for the same bed as a council funded person. Sometimes several hundred quid a week - average unit size moving towards 60 beds and well, you can do the maths.
To be brutal, it's a numbers game and overall the evidence shows the self funder dies before the money runs out so they are quids in.
If I had to be balanced, I would say currently the private market is pretty uniquely cross funding the state funded market to a fairly large extent and that is genuinely unsustainable.
The thresholds for charging are changing in April next year and DH is currently consulting on such.
If you send me a pm tomorrow (I am currently in the pub working away [emoji1]) I will dig out the latest on that for you, might help your great aunt.
*this is one area where I think the pushback on this aspect of the cuts os gonna come from btw, people realising their inheritance is getting done on care home fees. Rightly or wrongly.
As for those with none, lump it..