some people will not claim unless the money goes in the bank no questions. They don't like/are intimidated by authority or perceived authority. No police, no police. Others are too proud to be made to feel like a beggar, because you are made to feel that way regardless- the scrounger scrounger shite from the tv and news has done its poison so pride takes over. Rather go cold, with predictable consequences. Universalism is the only way but the Face of BOE reeves isn't going anywhere near that thinking ever...