The problem is not only with the fourth question. The real problem is the mentality which mirza is promoting by quoting such and such hadith. That without ulema one is able to understand the quran and deen. This is the real problem.
You have contributed 0.0% of this topic
The fact that you have mentioned all these names and bunched them together shows that you have no idea what you are talking about. Even Dr Zakir Naik is not a Scholar (and he has NEVER) claimed himself to be one. He is an expert in comparative religion and done great work.
After reading all of the above, you can react in two ways:
Lets see what you are. Your next post will determine your level of understanding.
This cannot be undone and I am sure it will be greatly appreciated.