So, basically what you are saying is that currently dragons are broken on purpose. A royal dragon does not match up against 15 normal units. But since some people run with dragon only armies you found that the best way to fix this is to make them not viable for anyone?
Regarding skill resets costing crowns, that's just silly.
Skill points can easily be spent wrong if you have a squad selected and two units lvl up at the same time. A more logical way would be that you can only respecc your units in your hometown.