I used to think like you do re: SO. I used to hate it actually, I felt like it detracted from the learning environment prioritizing form over substance. But now I approach it differently: I just create a new dummy account for every new question I have and ask a question following the strict guidelines. I tend to get a response within seconds. And its usually correct.
You may say I'm gaming the system, but SO is broken that way. I had a "permanent" account, but it said I had to wait SIX MONTHS before I could ask another question, because my questions were "bad."
Interestingly, I have one dead dummy account that had 50 points on it. I had an amazing question about time in C++. I can't transfer those points onto my permanent account, so it was a worthless exercise. But I don't really care. A new dummy account will solve all my problems. Why should I invest in getting better and asking better questions if SO won't reward me for doing so? It just rewards God-tier enterprise code-junkies looking to pad their resumes. I'm just a chum in the ocean looking for my meal. I have no qualms in being a dick to the system.
Stack Overflow is terrible because the gamification is terribly implemented. On the one hand you get instantaneous correct responses. On the other hand, if it doesn't have a cherry on top when you ask it, it gets downvoted to oblivion and closed because it's a duplicate (I mean...is it a duplicate if someone can't understand the duplicate?).
I don't even know what I think about it anymore. I think Stack Overflow sucks, but I can't live without it.