It is hard for me to imagine a situation where I feel like I am being treated well at a company and then decide that I want to add another level of bureaucracy and additional fees by joining a union.

Edit: to add, I am not at all opposed to unions. They provide a valuable service in many industries.

Is it hard to imagine collective bargaining improving pay and working conditions above minimum satisfaction? Is it hard to imagine anyone purchasing any type of insurance?

It is hard to imagine those things if I feel like I'm being treated very well already, including above market pay, excellent working conditions, and 100% of insurance premiums being covered by the company.

I can absolutely see the benefits of a union if I felt I was being paid below my worth, if I was dealing with poor work conditions, or had no company provided insurance.

Which is the point of this conversation, when things are bad, you REALLY want a union. When things are good, it's hard to see the value of a union.

Unions also mistreat their members at times. That isn't to say unions are bad, but they are not a perfect answer and you need to watch the union.

No one said unions are perfect or work without participation.

Unions and there members often act like that, though they don't say it.