I don't agree that any of the first or second parts are complicated. It is a decision that has to be made for each regatta, but it doesn't have to be complicated.
You can't kick your crew off during a race under the current ISAF rules. There's no need to make a new rule. <img src="http://www.catsailor.com/forums/images/graemlins/confused.gif" alt="" />
If the crew doesn't want the food or shirt then there is no need for them pay the extra. If they want it, they pay for it, shirts and food are usually always available during regattas. Also, I think changing/adding/removing crews during regattas is rude, to the crew and other competitors, without justifiable reasons.