It causes people to throw away their future (college and retirement planning)
honestly, I think that the above were practices you found with JWs 30 years ago but not anymore. Able young JWs flock into the university nowadays and pension schemes are compulsory by law in France, and I believe in most western countries. JWs are getting acustomed to the idea that A is not going to occur very soon and that they have a lifetime to achieve, whatever the WTS may write in magazines and say from the platform.
IMO, the prohibitive flaw with this organizatio is that it minds more for its own preservation than for the defense of the truth and the flock's well being. It is therefore inwardly repressive and crushes any attempt on the part of those who wish to alleviate the stifling atmosphere that permeates congregations. It will expell as an alien element anyone who wants to excercise free speech, through shunning. One doesn't even have to DA or be DFed to be shunned, since the 'unhonorable earthen pot" theory is conveniently here at hand to justify actual shunning within the congregation by means of marking. The result is that JWs are basically unhappy, and it shows...