Is there a problem here with young pilots being made to fly in below minimums conditions/ US a/c / overweight / unfit pilots/ inventing bs GPS approaches into non-if airports?
US a/c - yes, kind of
The rest - no, no problem at all
I've heard of someone inventing a "Pilot III" approach before to get themselves out of trouble, but to the best of my knowledge that was a one off.
The only time I've done what you've listed is when it has been my own choice and always unintentionally. I've got no one to blame for it apart from myself and learned some pretty important lessons in the process.