I used to sell shoes back in the day. A lot of what you're describing, particularly the insoles and liners tearing, sounds like improper fit. If it's too loose around certain parts of your foot, you step down, the shoe stops moving, but your foot slides a tiny bit. This drastically increases wear. Might not hurt to go down half a size/tighten your laces a bit more.

Reminds me of the Captain Samuel Vimes "Boots" theory of socioeconomic unfairness from the Discworld series.