The cap on care costs was promised when my mum had her dementia crisis in 2013, still waiting. The care cap only applies to care costs not 'hotel costs' so isn't as good as it looks.
In Scotland in theory free personal care is available, but there is a huge backlog for assessment, MIL in theory would likely qualify but we've been told bar is set very high so if assessed might not get anything, she is top of a waiting list for a care home and at some stage once in care home she might get assessed to reduce fees.
SS don't pay the going rate (their budgets are very stretched as well so issue lies elsewhere).
As
@Jaded'n'faded says self funders subsidise non self funders so a double whammy, my mum was always quoting cradle to grave - she came from the East End of London, born 1930, and therefore access to health care was difficult when she was a child, the NHS creation meant a lot to her. She saved hard and her savings paid for her care.