On the basis of not having the funds to support yourself? The 3 proof of exist no matter the visa you are in. Im not saying its great, but some border care about it.
You misunderstood what he said. He said that with multiple entry it's a gamble whether or not they will ask for the proofs. But, in your situation, they will. You had the 3 proofs therefore there was no gamble.
Exactly! And we can assume that either she used an agent, or the school did. Most likely also the agent/school will ship passport back after under consideration is over. It seem pretty obv to me.
This is only partially correct. If she did visa with agent, she won't be on overstay since she's on "under consideration" atm. The passport is just with them somewhere. Either at immigration in a cabinet, or in some kind of room with a third party. But you are correct that if agent is bad, she is fuck. Choosing a good agent do matter.
Repeating twice won't change the answer. Yes, they do. They have hundred of passport in cabinet waiting for under consideration time to finish. I've seen this with my own two eyes when I went with lawyer a few years ago.