forks are more dramatic than scary. as a matter of fact if you used the word "fork" before 2017 nobody even knew what you meant and even if a fork happened (which has happened multiple times in bitcoin and other coins before 2017) nobody would have minded or even remembered it happening. but ever since the drama of August 1 2017 with bitcoin and all the FUD that was spread, people are scared of forks.

this statement is a clear result of those FUDs that I mentioned above. when a fork happens there doesn't have to be 2 blockchains. look at SegWit fork that took place last year. there was no 2 chains. there was one chain, 100% of the network switched to the new chain and continue. a successful fork with majority's support.

wrong. people are able to make transactions the only thing that  changes is that the receiving parties have to wait for a bigger number of confirmation during a fork to be safer.

same thing as above.

Producing a fork only affects the mining, not the transaction, which will only slow down the transaction. This is the reason why Bitcoin cannot be used as a mainstream trading currency for a time. The confirmation cycle is too long, resulting in a long transaction time. This does not meet the trading medium that people want.