日本人は外来語なしで話ができるものなんでしょうか?
how would it change if just said できますか or できるんでしょうか?
what does the もの imply here?
This is "ものだ for general tendency/fact" but in a question form. It adds a sense of "Is it generally the case that...?" or "Is it how things normally work...?"
In your case, since the subject of the sentence is explicitly 日本人 in general, the difference between 2 and 3 is small. But when the subject is not present, the implied subject may change due to this ものだ/ものか.