there's a lot of supposition here.
Riker attacked the Borg cube because of the danger to humanity and because of the known opinion of the man he respected; be quick and decisive against the Borg because they are inherently dangerous and a threat to humanity damn the costs.
>Picard isn't married, has no family or children, and apparently no desire to change that. He's actually distinctly uncomfortable around children. Instead he married his job, which is all consuming. Right there that renders the character boring, overly intense and unrelatable for many people.
about 11 percent of people in the UK claim to dislike children, 20% of them say they couldn't care less about them. 20% of US citizens claim to have no desire for having or raising a child. 44% of Americans claim they will prioritize their career and personal prospects over relationships and children for at least the next 10 years in their life.
Picardd's character in those regards seems to sit around the opinions of a third of the western world, and likely higher among Trek fans.
Also , regarding those topics, we see Picards' character finally and permanently turn into a man that prioritizes family life in S05E25 'The Inner Light', where he lives an entirety of a life as a dedicated family man before being flung back to duty.
Also the "crew doesn't care about Picard" concept doesn't fly at all. Picard routinely leans on his family-like connections with the crew, the Crushers, as a father to Data, Wesley, Riker , a mentor to Geordi ; hell he even begins treating Q like family by the end of TNG.
>Picard is supposedly a culture maven, but neither him nor his crew ever creates any.
One of the primary concepts explored in TNG is the struggle that man has to self-explain their condition in a meaningful-enough way to an artificial human such that they can reliably grasp the concept on their own and boot-strap into a human equivalent. Picard is instrumental to this. In a very real way that is a stronger concept of birthing culture than most of the xenocultural stories in that it's an offshoot of humanity directly.
>Picard says everyone on the Enterprise is there because Starfleet is prestigious and he seems fine with that idea. This arrangement could never work in reality so he comes across as delusional
plenty of non-terrible countries have conscripted service. I fail to see a major distinction. Plenty of Star Trek crew members object to things and get thrown into the equivalent of a brig/court-martial.
As for the economic/world-policy problems: most problems people have with the system displayed in Star Trek is that it's poorly explained, even if it's shown as working fairly well. I think that's a point to jump in with suspension of disbelief personally; but if you need a more realistic economic outlook then check out the newer Picard show or DS9; there's a strong, true, and relied upon currency and the world has mostly gone to shit because of it, explored ad nauseum.
I think the greatest defense in the fantasy of TNGs economics and policy is simply that the show wanted to explore topics further away from concepts that humanity was already entrenched within.