There is no rule regarding what time one eats the full meal on a fast day. I usually eat mine at lunchtime, or I’m in hypoglycemic meltdown and have to go to bed by 4:00. If eating a full meal in the morning is what’s best for your health, there’s no religious reason to do something different.
As you point out, the present regulation for “fasting” isn’t far off from general healthy eating for many people. I don’t have any trouble with it, and I’m always either pregnant, nursing, or both.
So do you say,"No thanks, I'm fasting for three ..."