Facebook is intolerable to anyone with actual principles.
And let me guess, "actual" principles means "exactly my" principles, right?
A college roomate drove better drunk than sober. He was fall-down drunk, but drove fine. Thought he was good after driving 150 miles drunk without incident. Then got on a bicycle (still drunk) and ended up in the hospital. Though DUI is possible for that, he didn't get one for riding a bike drunk.
My experience is like yours. The "joke" is "would you rather your doctor be a heroine addict or not?" Of course the correct answer is "Doesn't matter, so long as if he is, he's had his maintenance dose."
When my dad got his DUI, he didn't crash. He ran a red without incident. Still insists there is no light there. I drove through with him many times since then. He insists it was put up after his incident. He's crashed plenty sober. But never drunk. Amazing when he spent a good portion of time more drunk than sober. That's one reason I know so many alcoholics. They tend to band together. Whether trying to get drunk together, or sober together. And my mom's brother was an alcoholic, as was my dad. And a number of people in my college dorm. The one I talked about before was ex-army with lots of alcohol cash from the GI bill, and 10 years more practice getting drunk than us lightweights.
He was hilarious to go play pool with. He wasn't a hustler, but couldn't play pool sober. But after 3-15 beers, was much better. Then, at some point, he can't play anymore. But that happens close to where he couldn't stand anymore, so it wasn't like 3 great, 4 worse. It was a plateau from heavy-buzz to passed-out. And boy did he pass out. He's the type of guy you could strip naked and drag in the middle of a field and he'd not wake up until security found him in the morning. But you can only do that on a very warm night, or he'd die by morning. Instead, he'd wake up with a sore knee or something, when someone would find him passed out in a more public area, like the lounge, and take a baseball bat to his leg to see if he'd wake. He never woke up until morning.
I ended up going without insurance for the period because it was too expensive. I had the quotes from COBRA and personal insurers. Neither was affordable, and this was 5+ years before ACA.
Before the affordable Care Act, I was paying about $175 per month for a $8,000 deductible major medical plan. After ACA, the cheapest plan has a deductible of $12,000, and the premium is now more than $500.
In 2005, my company's insurance costs doubled. Your increase was less than that. Insurance rates have been going up as you describe for quite a while. That's why it became such an issue. Illness is the #1 cause of bankruptcy, followed by divorce. Poor spending habits isn't high on the list. Poor people don't spend themselves into bankruptcy, Donald Trump has 5+ bankruptices. "Normal" people would never be allowed to make such poor choices repeatedly.
And, since MADD started the anti-drinking crusade, drunk driving has increased, not decreased. Why? Because in the '70s, a crash was "alcohol related" only if the drivers vomited on the responding officer's shoes. Today the definition includes the following fictional scenario:
"Tony, a mob boss, kills a subordinate at a dinner. The subordinate had 2 glasses of wine with dinner before the baseball bat rendered him lifeless. Vito (sober) is ordered to drive the body to the dumping spot. He lines the trunk with plastic, drops the body in, throws in some concrete shoes, and takes off for the lake. On his way, he stops at a red light (don't want to get pulled over with a body in the trunk). George is a elderly man with sleep apnea. He's tired and falls asleep at the wheel. He fails to stop at the light and rams Vito from behind (though was under the limit at the time he fell asleep and when impact happened). The police come out and in the autopsy of the head-smashed corpse, they determine he was dead at the time of the crash, and had alcohol in his stomach."
Based on the standard US reporting tools set out by NHTSA, the crash was caused by Speeding and alcohol. Neither driver was speeding, and neither driver was drunk. But that's the reporting standard now. MADD pushed for that to drive up drunk driving numbers to justify their existence. The system is broken and was never about safety.
Is it not he captain of the plane that has the ultimate power to go for a safer route?
He is Captain, but not God. He knows what he's told. No more. He was told "this is safe" so acted on that. It you are a pilot and presume your airline is lying to you every day, you should find another job or another airline.
Before Obamacare there was affordable healthcare insurance available outside of your employer.
When I got a bridge policy to cover a month between jobs (so as not to lose the pre-existing coverage), the bill was more for a single month of health care coverage than I made in a month employed. The insurance plans companies were offered was about 1/10th the cost of the COBRA extortion rates, at least pre-ACA.