I'm sorry I have not read the whole thread (it's long - which is reassuring sign!), but wanted to jump in to say these are the ones that effect me personally as a casual player. So a new player messes up - but instead of being given the chance to learn they get kicked because the cost to teaching them is too high. But because they got kicked they couldn't learn and even if they don't get scared off they will never be able to learn. Vicious circle ....
I'm in the category of 3 above - credit poor - and now have to run dalies just to afford to play the parts of the game I enjoy.
What server are you on - my guild wouldn't have a problem helping you out if you are on The Shadowlands.