Agreed completely on MSM.

Two possible workarounds on the referral point, one possible now, one that would require a change:

Now: People could create a second "burner" account just for referrals that doesn't have any association with their main account or identity.

Possible after a change: Give each account a referral link that's not associated with their nym (or even a way to generate new ones each time, for extra anonymity).