Fo #1, there's really no magic here. If you want to change the aspect ratio of your image to fit a particular paper size then you have to crop the image. There's no way around it.
For #2, I believe it's just historical inertia.
For #3, if you mean on the printer the minimum margin it accepts, that's usually due to the inner workings of the printer and how it feeds the paper. On my Canon ipf5100, the minimum margin is 3mm all around. If I want borderless I have to use roll paper.
Neil