Prob #1
To me, surface scum is not a problem. I have a non litted, non CO2, no filtration low low maintenance tank. Surface scum do accumulate but I never bothered to removed them. If you want, put in some mollies or guppies which will help eat up these surface scum.
Prob #2
I really don't know what is that fungus thing or how it comes about. Is it easily removed. If yes, juz remove it and see if it comes back. Could it be dirt? Sorry, only guesses... can't help here much if I don't know what is it. Maybe a picture would help.
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