It is if the settings Display EXPIRED adverts? and Display COMPLETED adverts? are disabled.
Account Settings is a personal area, so the only way to change for everybody is using a query in the DB.
Those are columns on core_members table.
Gallery: disable the setitng Enable integration with Gallery?.
For e-mail there's no setting. I wouldn't remove that because messenger can be disabled by the user. E-mail don't.
If I understand it right, the only way to Commerce keeps money is adding credit to the account. This is a COMMERCE setitng; not related to the Classifieds.
EVERYTHING related to credit, money, payment, etc., is handled by Commerce and not Classifieds.
Ask him to post his question to IPS as a feedback.