The helo bond is genuine, though a massive pain in the ass. It used to be US$6,000 for many years, though I heard it has gone up. You used to go into the office, give some old general 6K in cash or travellers' checks, he'd put it in a draw, then if you didn't need a helo rescue, you'd go back at the end and he'd give you your 6K back. The new $300 charge is bullshit, but you probably can't get out of it. A lot of people don't know about it because they don't organise their own expeditions and the cost of it, or at least covering it, is built into the price they pay the guiding company.
Stipulating the $20K thing is new and I would not take much notice. If you have insurance you should be fine. If they say to bring cash tell them to f@#% off. Bear in mind though that a full-on helo rescue / evac could end up costing much more than US$20K, but good insurance should cover it.
If you're keen on BP or G2, you should be able to join a permit to share all this stuff. This is what many independent climbers do, though of course you never know who will end up on your 'team'. In 2007 a group of us attempted G1 as a wholly independent team of 9, no sharing, and I think it was about $6,000 each plus airfare.