Mary, well...man do I feel for ya...feel for all actually...cause we all have to pay. The biggest scams are protected by law, are law, imagine that. And to top it off, you can't fight them, can't boycott them, if you do, it will cost you more. Actually, boycotting high insurance premiums will probably get you jail time for not supporting their scams.
Like Jim Carrey says in Liar, Liar....you piss and moan, then bend over and take it up the tailpipe.
But you know what, exploitation has limits, and I think it's reaching a critical level, since you're not the only one feeling it, this is getting common. The pool of people at the bottom being sucked dry is getting larger everyday, people pushed into depression cause they can't make ends meet. Some are bound to get desperate, and since fighting these issues in court is useless, desperate people do desperate things.
Collapse is coming either through uprisings or economic meltdown. One or both. When? Can't tell you. My suggestion to you is this. First, learn to ride it out without getting too depressed. Just make sure you build yourself a backup supply of food, enough to see you through the initial blow, six months or so. When this thing screeches to a halt, you don't want to be the kind of person who was shopping for food on a daily basis. Local grocery stores will be empty in a few days. Besides you don't want to be among the fighting for the last can of beans.
Don't panic, you have time. Although I'm not totally prepared, I work on it gradually, and I'm starting to have a little stash. I've included a few bottles of multi vitamins, since most foods available to you then will be starches you will need them to insure you receive a balanced diet, and not suffer from malnutrition. Some water also especially if you live with city supplied water.
I know this sounds extremely pessimistic but when I look around I really don't see any other outcome, so I don't pay attention to those who say our economy is strong, I just get ready.
Since you're at the bottom having a hard time it won't appear that bad for you. You're already living hardships and dealing with stress. However, I just can't wait to see the rich scrounging for food in the dumpsters, that will certainly make my day.
edited to add: In those days I might share my stash with a poor person but definitely not someone who used to own an SUV.