I believe in the principle of the NHS as a compulsory form of insurance which gives care free at the point of use. To me, that is by far the most sensible way of dealing with what is, after all, a lottery. We are all born, we will all die. Both of those are risky, and in between there are few of us who never get ill, and some illness is cheaper and easier to cure than others. Also, without vaccinations and proper care for those with infections everyone is at risk from other people.
I have no problem at all with the fact that some people will need a lot of very expensive treatment whilst others are lucky enough to need very little. That's the nature of insurance. I do think we maybe need to streamline which services are available on the NHS, so things like cosmetic surgery should maybe be rationed, although I believe it already is.
I absolutely do not think that there should be any means-testing of things like GP appointments or other services. Either everyone should pay or nobody, or unfairness would be built into a system which is fundamental to health and wellbeing. If people want to pay (and there are always people saying that they do), maybe there could be a voluntary (and anonymous) way of doing so that has no bearing on the treatment that people are given.
I have no issue with the fact that the training of medical students is heavily subsidised, and would be happy with that going much further, so that more people from less well-off backgrounds have a chance to train. Hand in hand with that, however, should be a commitment to their staying in the NHS after training, whether that is by asking private employers to pay a levy for taking on NHS trained staff or by expecting those staff to repay the subsidies themselves if they choose to take their expertise elsewhere. I know that is a controversial point of view, but it is mine.
I don't know enough about admin or the waste that we keep hearing is endemic, but maybe there should be more stringent audits to ensure efficiency. Having said that, putting in rules about what can be spent and how systems have to work can be counter-productive, as it prevents flexibility and intelligent management. I can't help thinking that better communication and co-operation between departments would be better for patients and more economical too. As people have said, getting bloods, X rays and so on done separately and often out of synch with consultant appointments can't possibly be the best use of resources (of the NHS itself, or of workplaces that have staff taking time off for several appointments where one would do), and I really don't understand why one doctor can't see the results of tests arranged by another.
As for the OP - I don't think I have ever come across hate for the NHS. Frustration, yes, but as I said upthread, I don't see how expressing that frustration with something that costs a chunk of money every month from everyone who works is 'ungrateful'.