Hi there. I DM about 90-95% of the time I sit down to game, so my perspective on complaining about DMs may be skewed.
I roll initiative every round, using a d10. I've found that, especially with larger groups, the 3.X combat system takes a long time to resolve. Even a single character's action might take a long time to resolve. I've found that rolling, and counting down, initiative each round helps the players to focus on what's happening, even when it is not their turn.
A lot of the problems mentioned here seem to be what I would call "texture" problems. Most players like the idea of clear leads, being able to go where they want, and hooks being drawn from their backstories. They like mysteries, tough opponents who really challenge them, and world travel. Of course, the "texture" part of this is -- how much?
If PCs retire to open bars, it is sensible to assume that some of those NPC bartenders might be former adventurers. If you're low-level, travelling in troll country, you might be happy that your horse provides more meat than you. You might feel fine helping your sister out when her husband is captured by goblins, if it isn't a weekly occurance. But if this stuff happens constantly, all you learn is to eschew family and backstory, never waste your money on a horse, and open your own inn as quickly as possible.
BTW, I have run games in which PCs have successfully robbed the inn, but the reality is that most prosperous businessmen aren't stupid. It shouldn't come as a great surprise that an attempt to sneak the cashbox out of a crowded taproom comes to a disasterous end....that the bartender has seen or heard of common tricks....or that reprisals are grisly.
Good gaming!
RC