Naïve or overly optimistic is probably the worst I can manage
Don't forget food prices, energy prices, rent, petrol ... you get the point. The cost of living just hasn't increased in line with average wage increment. In order to keep up payments across so many rising costs often both parents are forced to work these days.
The advantages you list fit much more with the 20th century society where consumers can drive prices and resources are local. For example today the cars will be on the road because you have to drive to the local playgroup/library/special needs unit.
Cuts and the fake promise of the big society meeting our needs mean not working is not an option.