I'm
absolutely not a lawyer or a union expert; I'm just some guy on an orange website, so take everything I say with a grain of salt.
But the sentiment you're expressing is one of the #1 tools in the anti-union-propaganda belt, and for good reason: nobody wants to be forced!
Honestly, you're the kind of person who would be really helpful in a union meeting! You bring up great points: some industries really need to be able to pay people to strike, but others don't. Where do we fit in (whoever "we" is)? And knowing where your dues are going is important; anybody trying to hide that kind of information is immediately suspect.
> All my life I've forced myself to spend far less than I make in pursuit of [solvency].
Not to go totally Marxist on you... but some would say that this is because you live in a deeply capitalist, anti-worker society, and that strong unions are just one piece in a potential society-wide safety net that would mean people could just spend the money they make without having to worry about sudden and catastrophic destitution.
In an ideal world, I personally would love if people who found themselves out of work had a third party (potentially comprised of other workers in their field) that could support them while they got back on their feet.