The big problem is with the organization of markets on the Trade page. But svk is in the process of making some very exciting changes. I'm looking forward to that!
Merging option might not be the best way to solve it, but I think people like to act from the perspective of a single, concrete user, and the allocentric logical perspective breaks with this. For instance, most people won't have more than one account, which makes the dashboards "home" location confusing. As I see it better to have a drop down menu for switching accounts, and a "see all" option than to have a dedicated overview page of all the accounts and recent activity.
Also, it's really not a problem to have 4 main menu items. Navigation is easy enough.
I don't care about pushing through any particular changes, but I do think we should be
very careful with how many buttons and options we present the users with when they first enter the page. Marketing research shows even font color much less an extra button or field can drop conversions by tens of percent. The ratios of people dropping at the first 30 seconds of using the wallet at this stage is far more significant than the gains we get from new features.