(What follows is largely the result of digging around online, based on knowing a few more magic words than the OP.)
Answer to the first question (I think).
Let $V$ be a separable Banach space. The standard proof that $V$ is isometrically isomorphic to a linear quotient of $\ell_1$ works by choosing a countable set $X$ that is a dense subset of the unit sphere of $V$, defining $f:\ell_1(X) \to V$ in the obvious way, and then verifying two things:
(i) $f$ is surjective;
(ii) the natural map $f_1: \ell_1(X)/\ker(f) \to V$ is an isometry.
Suppose $V$ is actually a unital Banach algebra. Let $S$ be the multiplicative subsemigroup of $V$ generated by $X$; of course $S$ is countable. Although $S$ might not lie in the unit sphere of $V$, it does lie in the unit ball, and so we do get a norm-decreasing homomorphism $h: \ell_1(S) \to V$.
We may factorize $f$ as $h\circ \iota$ where $\iota: \ell_1(X)\to \ell_1(S)$ is the natural isometric embedding induced from $X\subset S$. Since $f$ is surjective, so is $h$. Moreover, since $f_1$ is an isometry: given $b$ in the unit ball of $V$ and $K>1$ we can find $\xi\in \ell_1(X)$ with $f(\xi)=b$ and $\Vert\xi\Vert_1 < K$. So $b=h(\iota(\xi))$ where $\Vert\iota(\xi)\Vert_1 < K$. This shows that $h$ is actually a quotient map of Banach spaces, as required.
Comment on the intermediate question. I am not sure right now what one can say about the Banach algebra quotients of these algebras in general.
Partial answer to the final question. Via the Gelfand transform we can regard $\ell_1({\bf Z}_+)$ as an algebra of continuous functions on the closed unit disc, and hence for any closed subset $E$ of the unit disc, there is a norm-decreasing homomorphism $r_E: \ell_1({\bf Z}_+)\to C(E)$ given by restriction of these functions. It is known that for some infinite closed $E\subset {\bf T}$ this restriction homomorphism $r_E$ can be surjective: according to remarks in Volume 2 of Hewitt&Ross, these were originally called Carleson sets, but Wik showed that this coincides with the more widely known notion of a Helson subset of ${\bf T}$, which corresponds to $r_E: \ell_1({\bf Z}) \to C(E)$.
MR0125404 (23 #A2707) I. Wik, On linear dependence in closed sets. Ark. Mat. 4 1961 209–218.
The condition that $r_E:\ell_1({\bf Z})\to C(E)$ be a quotient map of Banach spaces corresponds to the classical notion of $E$ being a subset of ${\bf T}$ with Helson constant one. Such sets are known to exist, but I confess I don't know anything about the proofs/constructions. Wik's result shows that Helson sets are Carleson sets, but it is not clear to me from his proof if "1-Helson sets" are automatically "1-Carleson".
So I can't answer to your question in the $\ell_1({\bf Z}_+)$ case, but the answer is positive in the $\ell_1({\bf Z})$-case.