I agree with everything you say. Monarch are not a cheap airline and we are slightly worse off than you as we are paying just over ?400 per head for three of us to come out during the school hols in April. There is really very little in the way of alternatives and I would like to see BA back on the route but can't see it happening.
You are quite right that all of the additional charges just keep adding to the bill and you are naturally charged a card payment fee on top of everything else.
The choice is ours and we do keep coming back and I am sure I could get a whole holiday for ?400 per head elsewhere but I don't want to.
The lucky people like Blue Biscuit who can fly outside of the school holidays do pick up incredibly cheap prices, probably subsidised by us families - but we're not bitter.
There is no fun whatsoever in flying 'cattle class' and it is just a means to an end. I wasn't impressed with the easyjet boarding scrum and do prefer to have an allocated seat so it is ?6's all round for the family. At 6' myself and with a 6'5" son the cheap seats are cramped but another ?50 per head on top of the price already paid is just asking too much. The reclining seats in front just add more frustration! Four hours of purgatory each way to enjoy our holiday!