The answer to the first question depends on the dollar value of the animal and the difficulty in producing it.
a. The bee requires purchasing a pastel and a spider. Grow them up, females require two to three years. purchase or build an incubator, breed said animals and have a 1 in 4 shot at producing them. The bumble bee costs from 350.00 to 700.00 dollars.
b. A killer lesser bee is far more expensive...so as i said it depends on the morph.
c. The Albino requires purchasing two hets that look normal and again you have a 1 in 4 chance of hitting the morph...

As far as what to do with the animals you do not want to keep, most people find buyers for them. The others who do not sell them but get rid of them in "other" ways we tar and feather, then run out of town on a rail LOL