they do freeze accounts but it works differently: every 1 or 2 years or never (depends on the bank, the branch and about a thousand other random variables) bank employees decide it’s time to check if your record is up to date, they try calling you a couple of times, you don’t pick up, they decide they’ve tried their best to get in touch with you, so they block your account.
Then you go to your bank to see why your banking app is acting up and they give you this form where you put your address, income numbers/sources, etc. That’s the drill, has nothing to do with you getting a new passport
No, 90-day reports do nothing to the duration of the stay allowed - it's 180 days max, no matter what. You just went to the imm a bit too early, so you'll need to do two 90-day reports instead of just one