Yeah if you choose more security over less work, then having multiple accounts seems to be the way to go. 

Many are just following the practices they’ve been taught (although if you choose dishonesty, some responsibility does lie with you too).For any wholesalers interested in learning how we approach wholesaling ethically, just let me know, and I’ll gladly share a detailed post on it here.

My goal is to learn the market and educate myself on investing here.

If you choose to explain exactly what proof you need, you will soon get it. 

Can work well for less expensive properties, depending on your long term goals.

The operator's track record may not align with your goals (you are long term cash flow play, they are sell and redeploy, or vice versa).  

It really depends on who you choose. 

Depends on your goals.

Here’s a potential approach to balance both goals:1.

Your "goal" right now is to replace your income, but you don't know enough about investing and the risk is too great.