I will say, as a tax payer, if you are eligible for them, FUCKING TAKE THEM! Take every ¢ you can make reasonable use of!

I pay into the pool to provide a safety net to everyone. I’ve bounced off it myself, when I was younger. I want to know that it is doing its job for those that need it.

Proviso, I’m based in the UK. I’m quite sure a lot of tax payers, world wide, feel the same and would also give you “permission”.