You have some very valid points there, but take the NCR sharecroppers for example, sure they get paid to grow crops but they are paid barely enough to survive, let alone making a profit, doesn't sound too good of a lifestyle to me... And to make matters worse, the NCR insists on paying the farmers in NCR Currency which is severely depreciated since the Mojave Desert's main form of currency is still caps.
Also, what about the towns in which the residents do not wish for the NCR to annex their towns and pay their taxes? Do you think the NCR would be ok with that and leave the town alone?
But, either way, both CL and NCR have their fundamental flaws.
That's true. Though, I imagine if the Legion would just piss off, the NCR would worry about paying their workers.

I also agree that the NCR should end the whole dollars idea. It doesn't need a complicated explanation -- it's just unnecessary. But I suppose it's to make the NCR seperate from unoccupied areas.
Though, even if the pay is bad, I still believe it's better than slavery.
The forced annexation is by far the NCR's biggest problem, in my opinion. Seriously, if the town wants to be left alone, leave them be -- it's their choice, and possibly their loss, too. I can see why they do it (they need the taxation money to help the war effort), but it really gives off a poor impression.
Primm didn't seem too bothered about it, I guess, but I reckon that's because they were doing all right, anyway.
In any case, I'm not some naive NCR fan boy who spurts out propaganda left and right, but I truly do believe they're the best bet. I can't really comment on House, so I won't, but I can't see what one man could do on a larger scale, even if he is one spectacular man (hopes to earn some Colonel Martyr rep points).