Agree - the majority of bureaucracy, both public and private, is remarkably straightforward. Everything from switching bank accounts, renewing mortgage, etc. to paying off student loan, passport, driving license renewal, swapping energy suppliers has all been fine. There are so many guides to things like applying for POA that they make it as easy as possible to do yourself.
Free advice via gov.uk, various legal lines, citizen's advice etc (albeit I'm aware are getting cut drastically).
The variety of competition in most of the above means that while things are expensive there are ways to save money too. Lots of people earn £1000s by switching bank accounts. I currently pay about £20 p/m for superfast broadband which consider I WFH is probably in use for up to 18hours a day, every day. So many places have free wifi now I haven't bothered renewing a phone contract and just stick a tenner on gifgaff once every few months. There is so much programming available for free (CH4, ITV, CH5 catch up) or for, what, £12 a month if you have a tv license. Or can alternate between prime/netflix/now tv etc. I currently pay £1 a month for sky cinema.
The introduction of alternatives to the post office - I know evri, DPD etc get (sometimes deservedly) a bad rap but when they work they are amazing - I delivered a pair of rollerskates (HEAVY!) across the country for £3 via inpost the other day, no need for a label or to go into a shop, just 2 secs at a locker I've also used the post office's pick up service where you don't need a printer and they pick it up from your house.
Some things that seem extortionate here are downright cheap compared to other countries (see the price of basics here https://www.globalproductprices.com/Australia/banana_prices/compared to US, Australia, new zealand etc. I notice Iceland isn't even on the list)
When the weather is nice there are so many good days out for completely free depending on where you live. The costs people say are essentials are actually often completely negotiable - you don't HAVE to eat out, by loads of snacks, or go via the gift shop if you go to the beach/museum/wander round the shops. Parking in some places is extortionate but if you're prepared to walk there's often a side street ten minutes away or 3hours free in a supermarket car park.
Freedom of speech - yes we have a lot to moan about here with our politicians but at least we're allowed to!