I’m European and wouldn’t consider myself poor and I still think you are making irrelevant points at best or is simply wrong.

Neither actually. It sounds more like the e in permit or term, the u in uuh also gets close. They are not the most common sounds of the letter but I struggle to find analogous in English for the more common sound.

Your entire insurance is blocked if I’m not mistaken, so maybe you just didn’t get seen due to said block?