If the burden is put squarely on individuals (and Britons, who place too much faith in their houses, are not great savers), some will prove unable and others unwilling.
As I see it the problem is not with immigrants to Britain not "fitting in" but Britons like Tim who seem to have a problem saying "Hey, this is a great country, your welcome to make it greater" and have some inkling as to "Britishness".