Personal gain ? Look at the previous government cash for honours, Mandlesons constant return to government, the MP expense scandle clearly not just Blair the worst of the bunch.
This government early days yet, look at the list of MP's and Lords with personal interest in private health care providers (clear conflict of interest), donor clubs with Cameron.
For a democracy to work efficiently you need checks and balances, the two main parties are now supporting very traditionally right wing policies. You need a credible left wing balance. And by left I mean a party supporting working people and equality - I think the right and left are a bit dated in modern politics. It took a long struggle to get decent employment rights and we should not just throw them away now.
I don't pretend to have the answers but I support the people directly affected by these policies whether they be the disabled or teachers the nhs staff or whoever is next.