Not everyone is creative. If you see it as a job like for example a carpenter its the way to go, not every carpenter is automatically a furniture designer.
That's a good idea, too. UT, for example, offers a "Business Foundations" set of courses, taught in the Business School, that includes that kind of stuff.
The answer to that question will vary depending on the particular processor. In some cases (ARM9, for example), division is more expensive. In other cases, there's no difference.