[wokwokwok]

Does it help any of the issues I mentioned?

Or would those people be happier if they just had their questions answered?

The answerers with their karma; happy! The askers with their answers: happy.

The only “losers” are people who hoard their karma… because (I guess?) now other people are getting karma? …and I just do not care about those people.

[emodendroket]

Well, you said you were dissatisfied that people were avoiding challenging questions in favor of karma farming easy ones. Failing to prune lazy questions with no value to other users incentivizes that exact behavior because hard questions don't usually have a better payoff.