I have, thanks
Then what are you bleating about it all for?
You dislike the UK because its not as clean and tidy as Switzerland but forget that the population there is less than 9 million -v- almost 67 million here.
You complain bitterly that your UK pension is subject to the vagaries of currency fluctuation and yet chose to move to Switzerland.
You despise those who voted for Brexit and yet live in a country that elected not to join the EU.
You complain that your travel insurance, to enable you to travel to your holiday home, and your holidays elsewhere in the world, are "extortionate" and yet fail to recognise the irony of the fact that you plead poverty from a diminishing UK pension and millions of UK pensioners have zero chance of a holiday anywhere at all.
And yet this thread was started not about you but about the plight of all the other poor ex pats in Switzerland. I'm speechless jura. You have absolutely no idea how privileged and lucky you are in comparison to millions of other pension age people, who are living on the breadline, with none of your worries but dozens of other, more pressing and detrimental problems of their own.
Get a grip.