I certainly share some of your feelings. I get a bit worked up when I read about the UnitedHealth CEO getting $125M in compensation in one year. And that's from a non-profit organization.
It is also stupid for the flexible spending plans to have the "use it or lose it" rule. I would put a lot more pre-tax money into a flex plan if I knew it would carry over year-to-year. HSAs would at least be an improvement in that area.