You raise a good point concerning the internal organization and lack of clarity. An organization chart that is pinned in the forum and linked on the website would go a long way. And yes, I know this is not a company. Nevertheless, this community as well as the decision and execution processes are somewhat structured and it needs to be clear how.
To your point regarding the funding: it needs to be clear for what we use the funds before we raise fees. If we decide to do some sort of in-house insurance - which seems to be appreciated by most - it could literally absorb any funding we throw at it like a black hole. So I´m not too concerned that we wouldn´t know what to do with the money anytime soon. 
By doing a quick and dirty approximation, fee rewards for token holders would actually pale in comparison to “insurance rewards” once the spill-over kicks in which I described here Proposal: Direct % of rewards towards socialized insurance fund
In other words, someday yearn could operate with zero fees to the users while still having always enough funds for development of new awesome services and incentivize governance. If that isn´t the ultimate killer against copy cats I don´t know what is.