Create a TABLE as per user input (Number of Rows and Columns) in which individual cell should have an access to the user for formatting like "Calculated Measure", "Conditional Formatting", "Insert Image", "Manual Data Entry". This would solve most of the user requirements.
Ex - Option to be created in format, when the user clicks on that option a dialog/input box should appear asking for "Row Number and Column Number". Once the input is provided, the user should be able to apply the format mentioned above for the provided cell address.