1.) Bluetooth file transfer. If there were any piracy concerns there is no need to give access to the music or video folder. But I can already see the photo folder by connecting via USB.
Apps are of no use here, because the relevant API doesn't allow OBEX file transfers to non-Apple devices. That is stupid. Fixing that would be sufficent (this requires no work from Apple save from pulling the existing restriction on it).
Apple do not have a monopoly market share. The vast majority of people anyone meets will not have an iPhone. Not being able to send them vcard contact details or photos is petty.
2.) File uploads in Safari: Yes yes, Apple doesn't like the file system. They're wrong. Sites having to create a native app (and thus be subject to Apple's random content censorship) just to be able to upload photos is, again, daft.
3.) A centralised documents folder that is accessible. If you don't want to give me access to system files, then fine. Just give me one user folder. But again, the file system is a good, productive thing, and Apple have NOT created a better alternative. If they had they could include it and the file system and people would pick the alternative to use.
Phazer