Universal credit is a hateful benefit that forces people to embrace the "normal" monthly pay structure in the UK. Many have never had monthly pay and miss 5 pay periods without any form of income. Whatever party is in power, random MP's should have co habiting family members accounts frozen for the same five pay periods - 5 months. Income and expenditure details must be provided to confirm how the selected MP's survive that period of zero income - this could create a reality for MP's who have thus far failed to managed the difficulties faced across the UK by average middle and low income families.