1- Do you mean you'd like more colors and designs in the make your own? Because that's what it sort of sounds like, and that would be nice -- Premium and Official not likely to change.

2- see above

3- the Official kit is just that - approved by the club with the sponsors. Not ever going to be customisable.

4-
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The TL stuff, you're likely on a different server than your friend.
If you are on same server (can you see their fixtures?) and the player would be 3-5* for you, you *will* see him on the list.

Managing the budget is part of the game -- I think they shouldn't ever allow negative balance.