It shouldn't be the server owners problem to repeat the same lines warning against the same things again and again because they lack actual control.
This really feels like a social problem, not a technical one; and not one specific to Discord, though it sounds like you have encountered some particularly bad communities there.
Lie down with dogs, and get fleas.
The OP mentioned a bunch of problems spawning from the platform's lack of moderation, among which there's spam and scams.
Certainly, as I mentioned, I do see problems with scams and spamming in some communities due to the admins of those communities choosing not to moderate, or not knowing/caring that it is possible, but those problems do not seem specific to discord - IRC also had them, as do other platforms. Hence my confusion.
All the other points stand, and the platform is indeed full of spam and scam - because many "servers" are run and inhabited by kids who don't investigate any of the moderation options and/or actively participate in the spamming themselves - but it certainly doesn't mean it can't be done.
(IRC was full of spam and scam as well as soon as you stepped away from the better kept communities; and also things like DOS wars and hostile channel takeovers during network splits, which Discord seems so far largely free of)