Lets get back to basics in answering your questions.
If you pass the criteria to be able to obtain a Visa, before it was granted I am guessing you would need to provide proof of employment as the Government has tightened up on people obtaining unemployment benefits and health care costs.
We do have a similar system to the UK NHS BUT it has its own quirks and one Party are always looking for ways and means to introduce fees regarding Doctor and Hospital charges to be borne directly by the patient.
Costs are costs no matter where you live so if you earn 500 Pounds or Dollars a week and you 'outgoings' are 600 then your certainly going to be in financial trouble.
Here in Australia unlike the UK from what I have heard, we have a MINIMUM Basic Wage for Everyone, this is set by the Government and NO ONE can be paid LESS than that amount although some do try.
Until very recent times, we were very Unionised but that is changing but in principle, you cant be paid less than the award wage for that occupation, Trades and Professions usually charge what ever they can screw out of anyone but the average Street sweeper and Window washer all get the same hourly rate.
For some the different lifestyle has more than compensated them for other losses they may have experienced but for others, its been totally unacceptable and they have returned home although some after doing that have 'backflipped' and returned to OZ, there aint no pleasing everybody.
In the past there was those known as 'Whinging Poms', ie those from the UK who bemoaned the fact they had come to OZ BUT amazingly, they rarely if ever made any attempt to return even for a visit so it cant have been too bad here.
I worked with a fellow born in the Midlands whose hobby was fishing and he drove some 300 miles each way to this particular Trout fishing area and he said 'Back Home, going 25 miles to Blackpool for his Holidays was considered a major event but here, just a short step'.