I'm writing an answer to this question as I had a similiar problem viewing "scrollbars" even though it was checked. I am using Mac Yosemite. I did not get scroll bars on my windows until I set the Terrain perimeter - then they showed. So, create a terrain perimeter, then you can use scroll bars left / right and up/down. Before creating terrain, it also created a bit of conundrum when zooming in and out through pinch gestures: I learned to navigate this by ensuring my blue cross hairs and cursor were over the area I wanted to zoom in and out on - then I would "pinch" in and out. Also, to reset the image to center, I'd just click on the "fill window" to the far right of the screen under the zoom in and out tools. Hope this helps - as a newb, and fairly tech savy, it was frustrating, but all software has it's unique navigation.
