Never in this case means after about 1968? (I will check), when food and accommodation charges were first introduced.
That's correct and, by a happy coincidence, increased at the same amount as the annual pay award.
However, now there is something beloved of bean counters called "Pay to Dine / Starve " and what is considered to be a core meal, anything else that you would reasonably expect to be included has to be paid for.
Going back to said former officer, and the comparison with train drivers, what he omits to mention is the tax free lump sum and pension at the end of service. Let's just say he won't be living in poverty.
How does this compare to a train drivers service ?
As for recruitment, retention is the problem. Recruitment is relatively easy, even more so when a conflict is taking place, but very few saw the military as their potential life long career resulting in their own wee and snot encrusted chair in the Sgts Mess for example. Their time was useful for building a portfolio of experience on their CV for the future.