I think that your suggestions are good.  It's just that, so often, members of any kind of church council are approved by the pastor.  They are usually people who will not make waves.  I find it very hard to imagine most of those whom I know who are on PFC's doing what you suggest.  The one or two members of such councils who would push for those types of actions would soon be shut down by the other members and by other parishioners.  Your parish may be different.  There may be some parishes out there that work like that.  However, I think that a parish where there was a priest that would embezzle so much money would not be a parish where there was a sufficient number of people to stand up to the pastor and those who support him.  
People who insist on making noise in such circumstances rarely are able to make much headway.