If the embassy or consulate is using the evisa system then there is absolutely no option to do the transaction “in person”. Those embassies and consulates no longer allow walk in applications.
Depending on the embassy or consulate it’s either a walk in application or via online only. There is no choosing which way you’d prefer.
Not sure on this one. Probably embassy specific in any case.
Usually for getting in country visas and extensions if they allow a joint account then the funds must be double, because they see the funds as half yours and half the other holders.
I haven’t seen any posts from others that have tried this so probably best to contact the embassy you’re going to use and ask.