-> A barely-solvent transportation trust fund for maintaining state roadways/structures, which the governor/legislature recently decided to raise the gas by a whopping 23 cents/gallon to prop up
-> state (and in some cases county/local) politicians whom are more interested in enriching themselves and passing more useless/borderline unconstitutional laws than fixing the existing issues with running this state
-> an unrealistic, and massively underfunded, pension system for public employees
-> a broken Abbott school district system, where the state contributes insane levels of funding to schools that either no longer need it, or are in need of major structural/cultural reform in order to prevent flat-out waste of the funding
-> an alarming exodus of tax revenue-generating pharmaceutical, gaming, manufacturing and other major high-level industry players to other states
-> a dangerous political spat between the NY and NJ governors, through the interstate Port Authority agency, which has been delaying the critical rebuild and/or repair of both the Port Authority Bus Terminal and Northeast Corridor under-Hudson River rail tunnels, which are already at/over capacity and whose inevitably-approaching end of service (and then structural) life can not only make commuting for hundreds of thousands of NJ residents almost impossible, but also potentially paralyze a busy region which contributed to approximately 10% of the nations economic GDP
-> a several-year trend of population loss (more people leaving than joining the tax base), due in no small part to the above as well as the noted high property taxes
NJ loss to other states is offset by immigrants and domestic arrivals, who bring in more than the retirees who leave. We are actually doing way better at that surrounding states. I think your other points are good however one item there is no real Abbott district anymore as a result of the last decision, so for example when people complain that Hoboken is designated that is not correct. Also, the state runs the schools in Newark and Jersey City and I believe Camden and maybe a few others so it may be worth taking that up with you know who if you could find him in NJ...
That said we are better off than a lot of other states...keeping schools open is not something all others can do for example.