Just to briefly address your first point: if a majority of the stakeholders don't want a proposal to be funded, they can always vote the refund worker proposal in front of that proposal and the undesirable proposal won't be funded.
In fact, this ability to stop all funding actually upset a lot of people in BitShares in the distant past, because some large stakeholders decided they didn't want to fund any more work by the core team at that time and did exactly that.