never said you were police. Wasn't impolite either. Regardless, pointing out someone was rejected with a 7 month gap to someone with a 9 month gap, isn't relevant. A 9 or 10 month rejection would be.
yes, if you have a bank account here already. Otherwise you'll struggle to open one, to deposit the required funds on a tourist visa or visa exempt entry
You don't have to leave after 90 days on the non-o and year extension. I haven't left in 7 years.
The hardest part now about obtaining a non-o in country, is opening a bank account. It's a chicken and egg problem that's a challenge to solve. Easier to arrive on a non-o (don't get a non-oa by mistake, differing ongoing requirements) open a bank account, deposit funds, season for 2 months and extend for the year.