You can pop out chats in Teams. Been a feature for a while now…

It may be better at identifying intents, especially with different dialects and languages. You could tell it to send the response in a specific format, say json. Never tried it but might work.

Yes all over the world people can send USD but the banks take a big cut.

I use dns.adguard.com on my android. Seems to work well over the past year and a bit. Seldomly things don’t work and I need to switch it off but then back on once I’m done.