If the Tories had been in government over the past few years, the economic situation we're in now would be far far worse. The only party who called the banking collapse before it happened was the Lib Dems; David Cameron wanted there to be less regulation on banks to let them do as they please!
Labour are piss poor - but the Tories are far far worse. Anyone who earns less than 100k will be worse off under the Tories than under Labour.