Sorry, I am on vacation ATM and I can't solve the problem properly, so just a few remarks.
Sanity check: your final answer suggests the lake is highly alkaline, when it should be (due to the dissolved CO
2) on the slightly acidic side.
Solubility of the CaCO
3 doesn't require full protonation of the acid, the most important reaction being
CaCO
3 + CO
2 + H
2O
Ca
2+ + 2HCO
3-which in turn means your attempts to assume reaction uses two H
+ to proceed are wrong.
You are right about the need for Ksp and two Ka values, can you think of mass and charge balance equations to accompany the equilibrium equations?