*emissary Hat on*
1: That is by design. They want you to sale food to players and not to pawnbrokers. T3 may be a little low for most players now a days, but maybe you could luck out and get some alt sales. All I can see is make sure you find out what cosigner is being used for low level gear for your shard and make sure you price it cheaply so low level new players can afford it. I hear a lot of complaints about high prices from new players on other boards.
2: They are called piers. So you know. . If you find such places submit a ticket giving Loc. Explain the problem. I.E. Fish spawning too deep or out of reach of the pier. I am pretty sure the devs have stated in the past they would look at that. Right now with the work load it would be much easier to get a ticket. Have a CSR to look read it, log in run over see where you speak of take the notes they need hand them over a Dev who can then go in directly to the database and change exactly what needs to be changed rather then spending hours looking for such spawns. At least thats what I think it would work. I can make no promises but it can not hurt.
*Emissary Hat off.*