@thelusciouslibra

1. No idea about this one.

2. You'd usually either use a client on your own device (in which case only you control the money, but you are also responsible for not losing access, with no recourse if you do) or have an account on a service that manages it for you (in which case it's more like a bank, with the same risks but also more recovery options if you lose access).

For clients, I'm not sure what people tend to use nowadays but when I have to deal with Bitcoin I use Electrum which has always worked reliably for me, and is fast. Not the most polished thing, though, it's definitely some of the older Bitcoin software around.

3. Online wallet generators, anything that promises magical profits, anything in a sponsored Google ad. Scammers abound everywhere.

For services, go with a reputable provider you already know if possible. Otherwise, do careful research and make triple sure you're on the right site.

For clients, Reddit threads are most likely to be a useful source on which ones are trustworthy.

Beware that both hosted wallet services (the ones that are like a bank) and cryptocurrency exchanges are likely to demand a lot of personal information, similar to a bank.

Depending on where exactly you are, if you need to exchange your money, you may not actually be better off with Bitcoin in terms of financial privacy or government interference.

Exchanging with people in person may still be a semi-anonymous option but is more hassle. Sting operations are rare but do happen.

Hope that helps?