. . . getting fired for throwing a monitor across the room.
Evolution is pretty quick to weed out individuals of the primary-care-giving gender who chuck the thing they're holding when stressed. Turning into a crying heap is a much, much safer option when holding the baby.
On top of that why does your employer owe you health insurance in the first place? That also used to be something that was a fringe benefit that people then started to expect and demand like it was owed to them.
Around about the time the healthcare providers started charging individuals 2x and 3x the bill that they would send to the insurance companies (or at least the amount that the insurance companies assert that the services should cost). If you're not in some kind of group plan, you're getting incredibly ripped off.
The increased metabolic rate you speak does exist by the way, just not for the rest of the day, maximum for a half an hour or until you eat something. As long as you breathe heavily after a workout or feel your heart beating faster than usual, that's exactly that increased metabolic rate.
And in fact it goes further than that: the more you exercise & the more weight you lose, the more efficient your body becomes at doing maintenance tasks, and the less it burns during the rest of the day (the heart beats slower, your muscles are hauling less around when you walk, etc.). The math still works out in your favor if you exercise, especially since you'll eventually hit a tipping point where energy expenditure is more pleasant.
. . . surgical help and no desire to stay alive for more than 12 hours . .
There have been a number of stories about TSA getting very curious about fresh surgical scars.
"I've seen the forgeries I've sent out." -- John F. Haugh II (jfh@rpp386.Dallas.TX.US), about forging net news articles