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Well, I agree with your points also.While I agree that Protestant Churches are run differently, I must disagree with a lot of the assertions made in your post.
First, Protestant Churches do not always split when they get big. IN fact, many grow to near mega-church size. They often split due to theological or other issues. How many times have we seen splits because a group got mad at the pastor and left?
Second, Protestant Churches are not usually wealthier. By and large, they tend ot raise more money than Catholic Churches, but if you look at the demographics, they are not generally classified as the wealthiest churches in a city.
Third, different focii in ministry will often lead to differences in theology. Evangelicals see their calling as being different than mainstream, and they see themselves as being of a different type of Christian, even to the point of some calling everyone else none-Christian.
By the way, many Mizzu Synod and Wisconsin Synod Lutherins would disagree that ELCA are the same.
So I say, I don’t *know * why all those churches of one denomination exist. Money may still be a factor–not that their members are more wealthy, but they give more (tithe) so there’s more $$ to build another church.
In my home town there were four small-to-medium churches in my denomination scattered around town. All of them all together were smaller than the Catholic church nearest mine. But their combined budget was larger and particularly now, with a shortage of priests and nuns, the RC churches are closing and parishes are combining, not multiplying. This produces fewer, larger RC churches.