The real issues are much deeper: (1) Elders (which includes pastors) -- according to Scripture -- were from within the congregation, not imported from Rabbinic schools (which would be seminaries today), (2) spiritual qualifications were the only criteria, not academic achievements (as insisted upon today), and (3) elders were NOT employees of the churches (subject to hiring, firing, and moving to other locations), but overseers who remained with the flock as long as God has them in that position. Also ministers were forbidden to take titles such as Rabbi or Father (which today would equate to Reverend and Doctor).
As you can see there has been a wholesale departure from the NT pattern, and a lot more could be said, but it is too late to see any changes in these things.
I agree with most of your post. The point in which I disagree is your equating of "Rabbi or Father" with "Reverend and Doctor". Reverend, yes, agreed. Doctor, however, is an earned academic title which does not contradict Matthew 23. If a pastor happens to have earned a doctorate in a field of study, it is right to address that pastor as "Doctor ...", just as it is right to address a physician, dentist, veterinarian, or college professor as "Doctor ...".
Unfortunately, Christians, like any other humans, can wrongly attribute spiritual status, wisdom, or superior understanding to someone merely because they have an earned title, when it only means advanced knowledge in a specific field. Within the Church, we should not elevate one another, but allow God to lead in the selection and appointment of elders according to, as you say, spiritual qualifications.
Regarding your comment about seminaries, they are valuable in that they provide for focused study on issues relevant to ministry, such as counseling, church history, biblical hermeneutics and exegesis, ecclesiology, and theology. It would be unwise to "install" a pastor who has not worked through these things. Most Christians don't study these in depth and are not equipped to answer many questions or guide people to the answers. The only correction I would suggest is the need for more "practical apprenticeship" and a little less book work.