In fact, the Mishna says about certain situations that they are not a problem of Yichud because nobody is expected to do such stuff.
Yes. Non issues are not something to be worried about 9as per chazal like the gemorah kiddushin you are quoting), rather something that was/is an issue.
Ever heard of the Gemara where the Amora’im said to one another let’s go down this street where the Beis Zonos is, and get Schar?
No. I would think that it is a steerra to the gemorah that talks about “Nashim Omdos Al Kivisa” (BB 57b)
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Please tell me where the gemorah is so that I can look into it. If it exists, I have a number of questions on it (which the gemorah there may deal with).