"Wait... All of these hobgoblins have javelins!? This is a market opportunity!"

The sister makes some noises about her parents being guardsmen before she was orphaned. My money is on that being her mum. The infected guardsmen completely ignored her, so almost definitely a hallucination.

Tax incentivsed rubbish cover is the best way to put it. Taking out private cover (and never using it) is cheaper than paying the lifetime loading Medicare levy surcharge for most households earning over $100k a year. And all that money goes into some corpo's pocket rather than to the government to help fund our public health system (although, let's be real, even though it's labelled as a "Medicare levy" the money would probably still go to buying nuclear submarines).

For Hobby History, I recommend Arbitor Ian. He's an old grognard like me who has been collecting for decades, and explains some of the interesting changes and old lore of the setting (stuff from as far back as when Space Marines all had "born to kill" type graffiti all over their armour). He also does a "Tale of four gamers" type thing with some other hobbyists, and it feels a bit like those old White Dwarf articles come to life. Lots of nostalgia, but also new lore too.

I was a terrible salesperson for this reason. "Here's a machine in your stated price range. It will die in 18 months. And it sucks."