Root Canal Treatment cost a lot of money and the tooth may have to come out later anyway?

The treatment is undertaken in the case of either an infected pulp (nerve) or a dying tooth. Often a toothache is the driving factor for the procedure and it is hoped that the tooth can be saved. Generally the success rate is good but not 100%. The factors of long term failure include complex branches of the root canal system making instrumentation very difficult and the length of time the relevant tooth has been in infected state. Usually if there has been infection surrounding the end of the tooth in the surrounding bone for a long time the failure rate is higher. Therefore if the hope is to save a tooth deemed requiring a root canal treatment, one should not procrastinate in commencing treatment.

Bleeding gums are genetic and there is not too much one can do about it? 

Bleeding gums are symptomatic of gum diseases and are often very treatable. A visit to a good dentist office is the first important step. more info: Dental IQ page

I have used full upper denture for some years, my lower teeth seem to break up a bit, may be it is time to also go for lower full denture?

The lower jaw is much narrower than the top which has a broad bony table. There is also the tongue which moves constantly during speech and eating. The lower full denture generally performs poorly when compared to the top. Users of top full denture often mistaken that the lower full denture can perform just as satisfactorily as the top. As a rule of thumb, It is worth the trouble to consult to see if some lower teeth can still be saved and contribute in anchoring a partial lower denture . If possible, the outcome generally are more comfortable and workable.