How will I access health insurance without paying ridiculous amounts of money for it?

It sounds like you've read all you can and maybe can't read any more, but I'd check out "Moral Mazes" by Robert Jackall, from more than 20 (!) years ago. Offers insights like workers and managers saying "what's right is what the person above me wants" and a scary history of the demanded Protestant work ethic in America.

And thank you for this article.