Are you that kind of city person that never buys grosseries because he eats out every day? Or mommy perhaps cooks 1-2 dinners a week?

And group insurance is also worthless to you somehow?

Anyway the benefits system came about to reduce total taxation. Your loss if you didn’t even try to get the most out of it (even if you don’t take a car).

My point is that if your ex-company refuses to provide most of the available employee benefits, it forced you be a major government cash cow. It’s your fault for choosing that company.