An observation

I am no longer eligible for a tax credit prescription exemption certificate.  So I have been looking into other ways of sorting out my prescription.  I am on several different medications so have decided to get a prepayment certificate, but I did check out if I was eligible on low income grounds, after all, I do get tax credits because of low income, but no apparently my income isn't low enough.
What annoys me about this is that I am working, and I pay all the normal deductions from my wage, I then pay for all the utilities, and council tax.  Yet if I wasn't working, I would get my council tax paid, housing benefit, (if I didn't own my own house,) and all NHS services would be free, including prescriptions, (in certain cases, but not all.)
I have worked out that I am probably worse off than people who are out of work....surely this isn't right?
I know the government is looking to put a cap on benefits, but surely they would do better to make sure that it made economic sense to find a job? After all, where is the incentive when you are better off not working in some circumstances?
It is time this government, or any future one did something about wages, and got rid of the minimum wage and replaced it by the Living wage.