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Assuming you adjusted the clutch correctly, it sounds like the centrifugal clutch is worn out completely. This is a far fetched idea because I have never seen a centrifugal clutch so bad that it would not pull at all. The whining sound when killing could be the outer hub of the centrifugal clutch continuing to spin after the engine is shut off. And Yes, the outer hub will spin due to the minor friction of the the spinning crankshaft thru the bearing.
