I agree with what you're saying. I'm going to try to clarify some things as best I can.

1: Yes, getting kobans for free is basically impossible, right now you need to get lucky with daily quests. But the developers have some things planned for the near future that might (hopefully) help a bit with getting kobans.

2: Yeah, you need to wait a lot. But right now, the game is about 10-15% complete, and the developers need time. They're a fairly small team, so don't expect too much too quickly.

3: I'm not sure what you mean by this, could you clarify?

Oh and if something I said is wrong, please correct me, people with more knowledge than I