A welfare system that provides greater support to people when they need it most offers an alternative to the divisive pose bring struck by the coalition.
A salary insurance scheme would disincentive work, penalise low earners and likely prove unpopular.
Why support a regional benefit cap but not regional benefit levels? And what level would the cap be set at it in London?
Instead of the social vivisection currently taking place, lowering the benefits bill requires an agenda that creates jobs, arms people with skills and lowers rents.
The £26,000 cap, which is introduced in four London boroughs today, will raise child poverty, increase homelessness and cost more than it saves.
As Owen Jones and Evan Harris show, you can make more headway pushing your agenda from the TV studios in Millbank than the green benches over the road.
Everyone waited for the Labour leader to say something on welfare. He did but (for obvious reasons) no one noticed.
The Conservatives' claim to be anything other than a predictably right-wing party is the real casualty of last week.
The PM says welfare must not be "a lifestyle choice". But Philpott's wife and girlfriend were in work.