The address you were residing at prior to arriving? As it's an arrival card perhaps those arriving from their country of passport could use that? I have to fill one in and often struggle with on line forms. Is it best to use a laptop/pc?
no they aren't asking you for a visa. It's an on line entry card with your info on it. Same type of thing you need to go to USA ( ESTA), or many other countries.
you're being a bit neurotic. And accusing this ATM charge of xenophobia is ridiculous. Totally.
Foreign cards incur ATM charges in the UK. Not because it's xenophobia but banking business. I really think if you are convinced everything: country/banking/fees etc is xenophobic then you really shouldn't travel abroad.