No one is blaming smashed avocado, surely you realise that. It's symbolic of the problem, that's all. People are now thoughtlessly spending twenty times as much on breakfast (a few pennies for home-made toast vs $15 for smashed avo), and the same thing applies to many aspects of life.
$5,000 is a gross underestimate. When I was working in the eighties, I would eat at home and bring my lunch to work. By the noughties, I was like everyone else, buying a takeaway breakfast and eating it at work, then lunch from a food court. Not to mention the odd coffee during the day. I stopped work ten years ago, but even then, I would've spent $5,000 a year just on that.
And like I said, don't forget compound interest. The couple in your example SHOULD have been avoiding takeaway food since they started work. If they're now 30, their $5,000 a year would be $40,000, plus I'd hope they would have invested it wisely, so it would be more. And that's just takeaway. There's lots of other , far more expensive things they could save on.
That's a legitimate strategy. My oh agrees with your approach. In the insurance game (which he is), you'd be called "self-insured". He has never had private health insurance as he's always been happy to use the public system, and paying if he needs to go private.
I think Brits are better able to understand that strategy than Australians. Australians have been bombarded with marketing by the health insurers, telling them they need to "choose their own doctor", have a private room, and get their hip replacement done pronto. Whereas British people wouldn't think twice about being treated in a public ward, by whatever doctor's on duty - and though long waiting lists are a pain, in Britain they are simply accepted, what choice do you have?
The only snag is when you get old, and that's starting to worry my oh now. He has already had to pay about $20,000 for a couple of operations in the last few years. He could have had those done on Medicare, but there would have been delays. For the first op, he was in a LOT of pain and couldn't bear to wait. The second op was for a melanoma and he didn't want to risk any delay. It's far too late to take out health insurance now, as he'd pay a penalty of (I think) an extra 40% on top of the annual premium - as if that wasn't already eye-watering enough.
As for me, I've been dutifully paying for health insurance for years, basically because I got scared into it by the campaign about loadings and tax penalties. I wear glasses and contact lenses, and use physiotherapists and massage therapists because of my dancing, so I do make some claims every year, which makes me feel slightly better about it - but still, my husband used to scoff. I must say, I did feel better about it two years ago, when I had to have a double spinal fusion, which cost $35,000.
1. Utility bills electricity gas and water they bill quarterly synergy is the supplier for electricity and for gas there are few suppliers Alinta, kleenheat and simple energy (newest one) we live in a 3x2
2. Our car is insured with RAC I think they are the biggest insurance company in Western Australia and you can get lot of other member benefits. In addition we have a road side assistance