The locked layers would be extremely useful for example when creating something like this...
I'm making my phone to make my memes so maybe on PC it wouldn't be so bad but all.of these individual letters for the animation ate so close together the bounding boxes overlap so trying to size and position them is a nightmare as you end up constantly moving the ones you've already got in place.
By stretching text I might be phrasing it wrong but was referring to converting the vector text to an image (like photoshop rasterize layer) so you can stretch it lengthwise without changing its height or vice versa.
And again I'm using the free web version on phone so maybe some of these things exist in premium? But for adding images they always appear behind any text I have... I could theoretically fake it by generating an image with text and then reloading that as a new template and inserting a new image that would appear above the previous text baked into that image. For example in this image I would have had to like trudeaus head and Bidens shoulder in front of the top text as if the text was behind them while the bottom text was still in the foreground in front of them.