If we couldn't afford, we got HP. The car, TV, sofa and chairs, cooker - all needed, all on HP. We paid our debts or risked repossession. Some managed better than others. I remember crying when a threat of summons arrived in the post because we got behind with the rates. For several weeks, it was buy groceries or pay the council, so we ate. Bit by bit we paid it off, but it was years before I was debt-free - after my last child left education.
If the benefits had been available at the time, we most certainly would have qualified. People on minimum wage, part-time workers, unemployed and unable to work, unavailable for work because of care commitments - they don't need the added burden of condemnation.