1.) Paying gold to read a scroll (to learn a spell) at camp makes zero sense. Who are we paying this money too? Wouldn't it be ourselves in effect?
It does seem weird but spending gold to learn spells is a key part of being a wizard in 5E. I’d be happy if you just needed to have a certain amount of expensive paper and ink in your inventory to learn spells but I can see how many folk wouldn’t enjoy that level of management.