Coverage rate of welfare benefits

 Now, next I would like to think about "creating a debt-free world." If you can't borrow money, you may be worried about what to do if you get into financial difficulties. For that reason, we need a safety net. In Japan, the welfare system is an example of this, but it is difficult to use in reality, and in recent years, due to pressure from the national and local governments to cut costs, it seems that they are often turning away welfare applicants at the counter, giving various reasons such as "border tactics." In any case, it seems that Japan has a lower rate of receiving welfare than Europe and other countries. Below is an analysis using AI.


"The coverage rate of welfare (the percentage of people who are eligible to receive welfare and are actually receiving it) varies greatly from country to country. Below are the coverage rates and utilization rates (the percentage of people receiving welfare to the total population) for each country.


Country Coverage Utilization

Japan 15.3-18% 1.6%

Germany 64.6% 9.7%

France 91.6% 5.7%

UK 47-90% 9.2%

Sweden 82% 4.5%

These data are based on the JFBA data from 2010.


The low coverage rate in Japan is due to the stigma surrounding welfare and the lack of accurate information about the system.


However, there is no continuous statistical data on coverage rates, and it is important to note that these figures are estimates."


In other words, if welfare functions properly as a safety net, people will be able to secure food, clothing, and shelter even in a world where debt is no longer an option. So even if you are short of money and cannot borrow, it is not the end of your life. It is possible to get back on your feet again through safety nets such as welfare. I also hope to make this possible.


AI also says something good.


"Stigma against welfare and lack of accurate information about the system"


I wish a safety net for food, clothing and shelter could be built not only in Japan but all over the world. And I think that is possible even now. Because, as we have seen, food, clothing and shelter are "sufficient" in terms of quantity even now. The rest is a "distribution problem".


But what about this low capture rate in Japan? In other words, it means that people who are really in need are not able to use it. So what do those people do? Debt? You can't pay it back even if you borrow. Then interest is added and the debt snowballs, and you apply for a "dark part-time job" because you are in need of more money. And the target of that crime is us, society. You may be the next target. In the end, it's not someone else's problem.

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