Paul McAuliffe (Dublin North West, Fianna Fail) | Oireachtas source

There is sometimes an attempt to demonise people in these circumstances by alluding to fraud, but the witnesses have clarified two matters. First, fraud accounts for a small amount of the debt, with most of the debt being due to routine issues or people claiming inadvertently. Second, the Department takes a compassionate approach to repayments, one that reflects people's ability to pay instead of making any moral or value judgment. I appreciate those clarifications.