Good post MaroonMan4, I think you summed up the situation pretty well there.
There is no doubt in my mind that FRI is divisive and takes away from the overall esprit de corps of the Service. It may well work in some cases, but as a 3rd tourist ME captain it's not more money I really want, it's quality of life for me and my family.
The continued erosion of investment in the Services and the reduction of all the 'perks' of Service life is, I would suggest, the biggest push and coupled with the pull from outside there shouldn't be any surprise as to the situation we now find ourselves in. I'd far rather see the FRI budget was added to an increase in the defence budget such that the Services became more work hard/play hard than just work hard.