My philosophy on the chakras.

[Aloysius]

Now while your points are understandable, remember as your title implies this is your philosophy/opinion on this matter.
Now, my understanding is that once the chakras are cleansed and activated to a certain point, communication is possible. By that I mean the chakras are alive and are beings in their own right, I wouldn't be too quick to dismiss their potential. By addressing a certain chakra of an issue/imbalance it is possible to be given a very quick and effective answer of a way to address the issue. This helps the diagnosing process if you're into that kind of thing.
I think the chakras are an integral part of a person. A person defines their chakras but is also defined by their chakras.
Your points about unity being the cause for an individual's happiness kind of disregards the fact that every mind/body/spirit complex is unique in it's distortions.