I think you need to stop reading the Daily Mail and stop believing that people on benefits are living the life of riley.
I think everyone tends to go for the extreme when making points so the life of riley may not be the actual situation, however there are millions that are being spent on what you would call lifestyle choices. The DM stick gets waved at anyone who doesn't simply agree to a never-ending benefit culture.
An example of which is a family that decide to have more kids which forces the council to find a bigger and therefore more expensive home. Now I have two kids and tbh I think i'm done, but even if I wanted to, my house is not big enough, my car is not big enough, I would struggle to pay nursery fees. So I have to make a rational decision that it's out of the question to have a third child.
However some people those decisions do not exist, they do and let the benefits system sweep up after them. Maybe get that house that has a bigger garden than i can even dream of. Of course they may still be classed as poor and not live the most comfortable lives, but that is even more of a reason not to have had more children in the first place.
So is that a fair system? Someone who pays in a fair whack has less choices than someone who may not of worked for 10/20 years?
The safety net should be there for people to live comfortable lives in the event of disability, having to give up work to be a carer, or long term illness. It should help in the short term to cover a job loss, illness and to help make work pay. It should not cover lifestyle choices of someone who is fit and healthy to contribute. In that case they should get the basic level to incentivise work.
I would extend that to people living in expensive areas or have larger houses than they actually need and don't work. Again I or you may want to live in London but there is very little chance of that unless you share with 20 people! I don't agree with the bedroom tax rules but people should be given x amount of years to downsize. (with maybe a +1 room allowance)
This should not only increase the pool of larger houses but cost the public far less so that money can be spent on better social care to the people most deserving and on services that require more funding.
I could easily copy a link to many examples of this but I'm sure you have seen it before. If those examples are readily available then you can bet there will be thousands more out there in the same position who aren't silly enough to get themselves in the news. There are people subletting council properties for profit, it's that waste that winds up the people who have always paid in and never used the services.
Just in case you were wondering, I'm not a far right Tory and I do not read the Daily Mail. I would class myself a third way socialist. It should be a helping hand not hand outs.