Well put, for the reasons you've outlined above. I think the desire to have a struggling Peter in spite of these factors is mainly driven by a desire to recapture the classic era of Spider-Man comics. Those in Charge of Marvel fail to grasp that Spider-Man will sell gangbusters without this crutch. In this day and age audiences tend to prefer characters who progress rather than regress or remain stagnant. I'd dare say Spencer's run is a nostalgia run, or at least has been thus far.