That's the premise behind AdNauseam, albeit only for ads and not general navigation: It clicks all the ads in the background, so the data won't ever target the real you.
I do that sometimes. When the lenses have grease or salt from the beach, and I have no quick access to water, I'll lick them. I don't recommend it, but I do it.
It is still true, at least in Europe. I mean, they're not actually trying to destroy your life, you know, but they're after the company's best interests. They might help you, and might make things not the worst they possibly can, because that'll give a bad rep, but they're not your friend.
I have no actual idea, but I don't think so as it's an "online" bank where you set up the account on the mobile app. There's no other way to set up an account with this bank.
You can go with your wife, you know?