1- not really as i see no point in selling on the steam market if people wanna panic sell i mean.. if they're afraid of their item going down why don't they just cashout on opskins? lose a bit of money better than it going down big in value.. for me i'll just sell my items on the market and buy some games to have fun with

2- no.. it should NOT be optional.. if it's optional then what's the point in making it in the first place? everyone will disable it then.. and valve states many times that the items are a responsibility on the user himself and valve can't do anything to get his items back.. even if they put a huge flashing text saying "YOU ARE BEING SCAMMED" kids will just dismiss it and continue..

3- this could be a great option tbh but here's the catch.. they don't want people to cashout.. and no they do NOT enforce people to use it.. people are using it willingly.. the money put in steam was never meant to be taken out.. people should think twice before putting money in there.. its their own fault for expecting a thing the company never promised or even factually said it'll do.