I dislocated a finger 2 years ago. It's still not quite right, but after a couple of weeks it wasn't causing me any real pain or inconvenience. I had 18 months of NHS physio for it.
I had a foot problem that caused me so much pain I'd put off going to the loo until I couldn't leave it any longer. It impacted every aspect of my life, work and health. I couldn't get any NHS help at all.
My Dad is having some mobility problems, a suspected fracture. He can't get any treatment at all and has been pushed from pillar to post, all the while his physical and mental health is declining. However Social Care have been out to look at adaptations at home (excellent) and have been back very quickly to make some changes. All for free, and all of which he would have been very happy to pay for. Now he's in their system, they plan on visiting every 3 weeks, which seems complete overkill, especially as he lives with Mum who's very fit and capable.
DS2 had an ingrown toenail. GP prescribed antibiotics and told us the NHS doesn't treat ingrown toenails, but it would likely flare up again and to come back for more antibiotics if necessary. I took him to a podiatrist and fixed it for £40. Left to the NHS, he'd be having regular GP appointments and prescriptions (and pain) forever.