The F-35 program started with the VSTOL requirement and had the conventional and navy variants added on.
If I am hit by your acquaintance while they are giving you that free lift, their private insurance will cover my medical bills for as long as needed.
If I am hit by a taxi from a regulated company, their business insurance will cover my medical needs for as long as needed. The fact that they have adequate insurance is something that is checked by the taxi licensing people.
If I am hit by an Uber driver, well who knows how much insurance they have - Uber covers them for $1Million but that doesn't necessarily cover even a year in medical expenses or long term care, so I am left recouping the cost of my care from the Uber driver themselves. Uber drivers are not regulated or inspected (yet - wait for that shitstorm to hit Slashdot when it happens) so there is no guarantee that when you get into that Uber car you are actually insured at all.
No they dont, aircraft hand on zero visibility all the time - heavy fog, torrential rain etc etc. If the conditions are right, you can be non-visual right up to the point where your main gear touches down - you can do that either manually or you can do that on autoland and have the autopilot put it down for you.
It depends entirely on how you expose the crime - posting the blackmail material into the public eye while exposing the blackmailer hasn't done the victim any good, nor would publishing a sexual predators photographs or videos help the victim.
SpaceX do not "already have" a Falcon 9 heavy, its still in development and won't have its first launch until next year at the earliest.