You can do that in Ireland too. For health insurance the insurer handles the tax and takes it off what they charge you. For charities if you donate over a certain threshold the charity gets to claim back the tax you paid for themselves. For ongoing things you inform Revenue and they let your employer know to collect less tax. Then for other things you just tell Revenue and they refund you.
Is not a monopoly though, yes there are cartels but it’s not a monopoly. The less demand there is for oil the less power OPEC has to manipulate prices. They will be left scrambling to supply the remaining demand. Supply and demand isn’t a myth, OPEC simply manipulate supply to influence the price.