Like you I have been a greater "customer" of the NHS recently than for my first 75 years. Of course the demands on the NHS are never ending, and with the aging surviving population, an influx of migrants wit no history of contributing, better and more expensive treatments and drugs it is little wonder budgets are tight. Some of the strain on the NHS is, I am sure, due to patients who are too ready to rush with minor issues to a doctor or hospital. I, for one , would be in favour of "drunks" attending A&E being treated free for the first visit, but paying thereafter. Also a big tightening up on ensuring visitors and recent migrants to the UK have to pay via their own insurance. I see no reason why , for repeat medicine where symptoms are unchanged, why pharmacists should not be allowed to prescribe.
However the situation right now is pretty critical and as a "one off" to clear the decks I would be in favour of the recent £1 billion fine on the banks - an unexpected receipt - to be used to boost the NHS.