Hi there!
We'd be more than happy to check the first three points in your game and advise you. Please write us through your game by clicking on the 'gear' icon and then 'Help', or email us directly at support@ldw.zendesk.com, along with your User ID (which you'll find in the Options menu by clicking on the 'gear' icon).
Regarding point 4,
the Gold Plan can be found in a volcanic crack after 7+ days in the game. The items found in the crack are 100% random, including the chance a villager might not find anything. The only way to guarantee that you get something from the cracks is with the Lemur.