A UK family where both parents work full-time, pay full council tax, and earn enough to be 'doing alright' on paper, can't afford to take their kids to the Tower of London on a Saturday in 2026. Two adult tickets and two child tickets at standard price comes to roughly £100. Add £40-£80 in train fares and £50-£70 for lunch — that's around £200 for a single Saturday at one tourist attraction in their own capital city. A family on full Universal Credit, living in subsidised housing, paying no council tax, can take the same four people to the same Tower for £1 a ticket — £4 total — under the 'inclusive access' schemes most major UK attractions now run. The working family pays the full £200 day out AND covers — through their taxes — the £196 discount the benefits family gets on the same trip. Whatever the original intention of those schemes, this is the structure most UK working families are now living inside. Pay the full bill, then watch the people next door enjoy the day out you can't take your own kids to.