Do you agree with the "Bruce affect" (in comics)?

Well, Batman was in Final Crisis. For most of the event, he was captured by Darksied's minions as they were trying to clone Batman. When he escaped, Batman broke his no-gun rule and shot Darksied, fatally wounding him. But Darksied was able to "kill" Batman after being shot. So in a way, Batman did save the day.

As for Blackest Night, a clone of Bruce Wayne was used throughout the event (the real Wayne was lost in time). A new Batman, former Robin/Nightwing Dick Grayson, was part of the event, trying to aid the heroes. Besides, Blackest Night was more about the Green Lantern Corps and the other light corps.

In the more recent Flashpoint event, Bruce Wayne did not live long enough to be Batman. In the alternate universe, his father Thomas Wayne became Batman

I can't really say about the Hulk since I mainy read DC comics.

I think even though Bruce Wayne and Banner were still at the Civil War or Blackest Night, take for example Identity Crisis. Batman still appeared (even though in minor detail) but the lasting effects of Identity Crisis were huge. Also, if you really think about the Hulk in the Civil War, I think it would have gotten a little messy(plot wise). I do think thought that your observation is true to an extent.

The hulk is more of a problem causer than solver

I've never heard of this.