I don't see the same problems as you Octy, why you dislike FN so much mystifies me.
The banks would be my favoured disliked shower of scavengers followed on by solicitors, insurance companies, oil companies, phone providers, supermarkets, Etc, Etc.
They are all out to make money and none of them care if you live or die as long as you pay up.
Fer me FN works, I was out last night on a short shift (9.30pm to 2am) as an ambassador on all Gold status with priority till midnight and made just half over your weekly Covid pox in 4.5 hours.
Money is not a priority fer me but it is real handy stuff to have when the landlord and me ex misses want their weekly few quid, I also have the taxman and insurance man due in October and I really don't think any of the above named parties would be too pleased with me if'n I stated; "Sorry I ain't got it, money is way down my list of priorities !".