See, I know I get more done late at night than morning. I've tried waking early consistently and find that I'm getting less done. I assume that is partially because the quality of my sleep declines.

Then again, I was always a night person - my parents used to wake me for Santa and my poor mother fought with me through school to get me up - and try to make me go to bed.

It is much easier to simply accept I'm a night person.

The better answer is to either make policies that are actually reasonable to more people or to invest in more training for the representatives having to pass on the information so that everyone involved understands. Unfortunately, that is not likely to happen. Most times, low-level employees do not understand why a policy is the policy: Even if they do, they aren't likely to be allowed to pass this information on to the customer. More training is not likely because most of the call centers, at least the ones I've worked at/know of have very high turnover rates (in the US). More training would mean more investment in employees that may not last more than 2-6 months for various reasons.

Policies that actually make sense rarely happen for larger companies, it seems.

Very rare around this area. In fact, the emergency rooms here won't fully treat people sometimes because of lack of a regular doctor, which requires payment and regular checkups and things the poor cannot do. "free clinics" drop off not too far from the poverty line.

That person with stage 4 liver cancer? What if it were skin cancer - it looked funny, but they can't get it checked out. Until it is an emergency... and by then it could be too late. Even then, the emergency room will say it is too big to treat from there and refer to the normal doctor most times. This isn't top notch medical care. This is "suffer until it is dire, and maybe you'll wind up surviving in pain"

I'd much rather pay an insurance tax so everyone is covered. I doubt it would be much more than people pay now for insurance since everyone would be paying in.