The second one is easy. Right click on the top bar of a box, select lock. If you lock your chat boxes, and all your other boxes, like spells, spell gems, hot keys, then you cannot accidently move or close them. I don't even like to accidently move mine, as they are where I want them, all lined up around outside edges of screen. I think everything is lockable. When locked you can still use the circle to shrink them, but cannot close or move.
One of my biggest gripes is that I do not have enough spell gems.
I would be scared to use a bank with time limits, as I have tried to log on for over 30 minutes before, and not gotten on. If it crashed when you were on, your time limit would pass by after the restore while you were at work or sleep.
First one is good, even the spells themselves do not tell you what they do, it will say strength, without telling you how much, so you have to look it up if you want to know.