I agree with your points about the NL. It IS meant to be a development league but Dudley/Cradley in particular have gone too far, they should either be in the PL or out. I disagree with your points about the Elite League, personally I would prefer one big league but if we keep the EL it still has to run within the available finances. I like the Draft, there are already three or four riders who look like future main body members. I too have watched teams packed with international stars but the racing was usually just as predictable if not more so, and big names alone don't attract me.
Other countries while starting from higher figures than us, are going the same way, this weeks Speedway Star had a report where most Swedish clubs are running at a loss. Even Poland is developing a reputation for late or missing payments, yet another rider there was featured this week after payment disputes with his former club (did you see the half empty stadium at the last GP). I don't know what the answers are (I'm not alone in that)but further bankrupting clubs isn't the answer, neither is gambling on riders who currently ask more per meeting than the clubs are paying to a full team.