What you say is mostly correct, but some stuff Ryanair does seems to be gratuitous pissing off of customers. I only had an issue once, but I hated Ryanair during that flight.
My last appointment before the flight took longer than expected, and then the airport bus came a bit late and was further delayed in traffic, but I still had enough time. But at the airport I discovered I had lost my sunglasses and boarding pass. I tried to reprint the boarding pass at an airport computer (which wasn't free), but I couldn't, because you can't download the boarding pass in the last two hours before the flight, I mean, why can't you? So everything was going wrong, and my bad luck was compounded by the very unreasonable fee for them to print me a boarding pass. That made me a very unhappy customer. I still use them, because in the end I save more, but I have no loyalty to them, even though I am usually very loyal to brands I use regularly.
This highlights that some Ryanair charges are fair (and so you don't subsidise others) and some, such as a reprint free because you can not reprint it yourself, are just plain extortion
My last appointment before the flight took longer than expected, and then the airport bus came a bit late and was further delayed in traffic, but I still had enough time. But at the airport I discovered I had lost my sunglasses and boarding pass. I tried to reprint the boarding pass at an airport computer (which wasn't free), but I couldn't, because you can't download the boarding pass in the last two hours before the flight, I mean, why can't you? So everything was going wrong, and my bad luck was compounded by the very unreasonable fee for them to print me a boarding pass. That made me a very unhappy customer. I still use them, because in the end I save more, but I have no loyalty to them, even though I am usually very loyal to brands I use regularly.