The advice you give is great until you tell people to use bitcoin. That is very likely to get them killed. Monero is by far the better choice here
https://primal.net/e/note1jazkf6wnxzezudx6dsngahs7xlknpyhr3utgj26kjl35jgu6knlsh5kkea
An address in Monero is simply a key that allows you to derive a one-time address that the receiver private key can read. So I'm not totally sure about point one. And as for point two, when FCMP is released this will go from 1 of 16 to 1 of all outputs