CallmeJB: Thank you for your post. What you have written here is mostly embellishment from the constant complainers whose jumpseat you were on, but how could you know this. These crews just want you to feel sorry for them. For example, they were right to tell you that here is no 401k matching, and there never was or is now a match of 401k money. Instead it's much better than that. It's now an outright gift of 12% beyond your pay, which goes into a 401k "B" fund. Example: Crew puts in zero and company puts in 12% above and beyond salary. Most of the other items you've mentioned are similarly embellished by the crews who you've ridden with, but their is still a sliver of truth to the stories you were told. And even then, the crews forgot to tell you that what truth there was in their story was only true of the LCC (Low cost carrier) 737 and A320 crews at UAL. All the rest or the crews, 757/767/777/747, have absolutely no such draconian rules.
And of course, except for the absolute most junior LCC pilots, the other LCC pilots could be flying the wide body part of the airline as junior F/O's or Captains with traditional legacy duty regs. It's their choice.