not automatic. Still have to jump through hoops, meet Financial requirements, pass English tests etc etc. I think it takes at least 5 years to qualify for UK citizenship
what's the good reason? So if anyone is here for 360 days in a year, they don't need a bank account? Really? I've only ever been here on either tourist exemp stamps or 60 day tourist visa and I have 2 bank accounts. What are my personal circumstances that tell you I don't need 1 or both?
You can make the application yourself on her behalf. Done it twice. She will need to go to VFS for biometrics. Found the whole process very straightforward. Ignore all the "must own house", " must have degree" etc. Every application is judged on its own merits. Give me a shout if you want to chat 👍🏻