The oily film is usually a protein slick, which could be from organic matter decaying in the tank. What kind of filter are you using? Does it agitate the surface of the water? Agitation helps, as does feeding in a separate container so that bits of food aren't left in the tank. If none of that helps, consider a stronger filter.
Once a tank is established, it will have a biological cycle like the museum tank you describe. I won't pretend to understand the ins and outs of water quality, but I think the point is that algae and bacteria contribute to the health of a tank by helping process ammonia and other chemicals into less harmful substances. Read up on aquarium water quality and you'll find a much better explanation than I can give
