Swarm would probably cross that line even without any of the blockchain stuff. It's more akin to Freenet than Bittorrent and would probably function better as a decentralized backend for most people. Expecting an average person to run a Swarm node is probably unrealistic in anything resembling its current form but allowing resilient decentralized sites which are accessible from any one of a number of gateways should be doable when/if they actually get around to implementing insured data storage that is the key component to the entire idea.
You're right about that, but I do wonder if this will be perfect for making distributed darknet marketplaces and torrent trackers a la what.cd.
No. It doesn't depend on blockchain except for the ENS resolution.