This.
As an example of the potential housing issue, during the lockdown my daughters partner, who is a self employed plasterer was unable to work, the daughter had become redundant while on maternity leave as the company she worked for had become insolvent (mid 2019 so pre- corona). They had no income whatsoever so were told to claim universal credit, this amounted to just over £400 a month, their mortgage alone is almost £800 a month, they pointed this out and were informed that they wouldn't be able to claim any sort of housing allowance for six months. Luckily they had some savings and we were able to help them out to keep them afloat.
Daughter has now got a part time job and they are both working again but are reliant on family to look after the little one for the three days a week that both are in work. Strictly speaking the only person who should be able to mind the kiddy would be somebody who is a single person who has 'bubbled' with them, nobody fits that description. If one of them gives up work to stay at home with him they wouldn't have anywhere near enough coming in to pay the bills.
Multiply this by hundreds of thousands if not millions of families across the land.