2- I think the exchange stability issue is more to do with how much computing resource it requires to keep a blockchain node up. From what I know, some work is being done to address this.
3- I see vote begging a symptom of the economic structure on Steem. This is a third world economic structure and we don't yet have a healthy middle class or a way a minnow can see a path to whaledom.
RE: Steemit needs an overhaul