I use it for spending and to store value.

It is up more than 2x since the binance delisting last year and has outperformed Bitcoin, anyone saying Monero can’t work as a store of value is wrong. Because it’s so stable, it works even better. During this week’s crash I was not very worried because I knew XMR is rising in price die to its utility, not from speculation, and this crash did not impact its utility in the slightest.

No, there are now 0% deposit offers. You currently need to figure out how to get in contact with a seller beforehand though, the next update will add contact information to the offers which will make them a lot more useful.

Looks scammy to me. Just use Haveno.