Old Ned - all meals onboard in the RN are free. Even when the Ship is alongside. I have heard rumours that this might change - although I suspect any changes would only be when alongside and for non-duty personnel.
As for:
"How many of you can honestly say that you have sat down with the men under your command and discussed their finances?"
Yes, I can. Isn't taking an interest in your people part of the job? Presumably the other 2 services take an interest when cheques are bounced back to the unit?