1) No, this is probably not the right subforum for this. Not for me to judge, though.
2) MyAds are just ... sort of overpowered. I agree it's dumb you have to spend the karma at chargen or never again, and being able to raise them like Magic for new rating x5 could work out, but the basic premise is that you have to decide what you want out of your MyAd; You want to be mostly an Adept? Then initiate into more power points and pick as many of them at the start as possible. With Karma gen, it's not actually expensive, you have 800 of the stuff.
Or you could pick an actual Adept and go with Adept Spell and Barehanded Adept, which will eventually give you 5 spells to use, though 4 will be touch only.
A freeform magic system, as wakshaani has said, was planned, but didn't get off the ground. So right now we don't really have an Adept with more spell, we only have a magician that trades projection for also being an adept.