All good points.
In regard to the girls, my friend has a daughter who just decided to play hockey last season at 12U. She is admittedly (and understandably) not very good, and she is moving up to 14U.
I've been looking, and I only found three programs even offering girls hockey at a normal, non-national bound level: NP, Huskies, and Badgers. That's a shame.
And the in-house ideas are brilliant. When I was a kid, sports were just for fun (like in-house). Like you guys said, when you have competitive travel hockey that takes in kids who belong in in-house, it waters everything down even more, makes it less fun, and forces kids to play at levels they don't want to.
And reasons like that are why I asked if there were too many programs. I feel there are more, weaker programs than there are legit, interested players to fill them. If half the programs disappeared, and you had in-house, that could be great.