That would never, ever happen. I gather that SFU is some weird sidebar thing that's only allowed to exist because it's derived from the Franz Joseph publications that he retained independent rights to due to some sloppy contract-writing back in the day. It exists through a loophole only, and it's tolerated because it's a game franchise rather than a fiction franchise and thus isn't in direct competition with the canonical fiction. And I presume it does not use canonical characters and storylines either. None of those special circumstances are applicable to the novel line.
There is no way to be "completely divorced" from a franchise if you are using their concepts, characters, and backstory. All of that rightfully belongs to CBS Studios. We're allowed to borrow it, but that doesn't give us the right to take it home with us if they ask for it back.
Because the modern shows are more serialized and have little room for new stories to be inserted between episodes. That has nothing to do with Berman vs. Kurtzman. Note that there are hardly any novels set in the last two seasons of DS9, because they were so serialized.
It's not even close to symmetrical. Movies and TV shows have a vastly larger audience than books and comics, by a factor of hundreds or thousands. This is why we use metaphors about the tail not wagging the dog. A movie adaptation of a comic book is a huge expansion of its audience and profit potential, so it takes the lead; its mass and momentum are so great that it drags the original after it (look at all the comics characters who debuted in adaptations, from Jimmy Olsen to Phil Coulson). But a novel adaptation of a TV show is a tiny offshoot of the real thing, entirely dependent on the much vaster franchise for its existence and survival.
Star Trek is a screen franchise. If it ever gets reinvented from the ground up, it is the place of the screen franchise to take that step first. The place of the tie-ins is to follow the lead of the real thing.