I think that it's interesting that half the people I hear think that personalised budgets, direct payments, or equivalent, are about a drive to save money - and half the people I hear of think that it will cost too much...
That suggests to me that the money thing is a distraction - an indication of the difficulties that change brings - not something at the heart of the issue.
When I think about this a particularly strong memory comes to mind: I attended a conference about direct payments a good few years ago (perhaps 7 years?) where the essence of what most people were saying was: "We're all in favour of direct payments, and at first when we tell a client about them they think it's a good idea, but unfortunately when we tell them all about how hard it will be for them to manage the money and staff, and about all the problems that might crop up, they just seem to back out and change their minds."
What stood out was that the result of lots of individual (well meaning) interactions at a local level meant that at a 'system' level direct payments were being strongly resisted. The country was full of workers offering direct payments, and then offering every possible discouragement to their uptake - so not surprisingly there was almost no uptake of them.
What was really really interesting about this was that those at the conference didn't and couldn't see it like this. They couldn't get free of their own local viewpoint to see things in a wider perspective. People had almost all learned to see that the problem was something like "disabled people just aren't ready for taking this on, so no matter how good an idea we think it is it just isn't going to work". NONE of the people I spoke to or heard from seemed to be thinking "the problem is that we aren't very good yet at supporting people to manage direct payments" (really, not even one person that I spoke to was thinking from this perspective).
I've worked with many people trying to support change - and what I've learned is that with a change like this two things happen:
The first is that some free-thinking, courageous, determined people use the change to enable them to make the difference they have always been working for. The new language and new thinking and new vision allows them to justify breaking boundaries, to step out of line (i.e. not doing things the way things are done around here), and to reconnect with what's really important.
But the second thing that happens is that 'the system' finds a way to enable the old practice (the way things are done around here) to continue. Words change, forms change, proceedures change, job-descriptions change, the flow of money changes, but the fundamentals don't change (when I speak about 'the system' I'm not meaning 'the managers' or 'the government' or 'those at the top' by the way).
So I suspect that if we're brave enough to use this as an opportunity to make a difference in people's lives then we will be able to do great things. And if we don't see what's wrong with the current 'how things are done around here' then we'll be able to find a way to work around this change.