ANSWER: Why weren’t you in the masjid? If the transaction took place while the imam was delivering the khutba, yes you are sinful and the transaction is void. 

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ANSWER: This is not sinful but reducing your reward.

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ANSWER: No! You simply tap on the follower’s shoulder so that he pulls back and you both make a row right behind the imam. 

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ANSWER: She has been with you all for 30 years and nobody has taught her even the basics? That’s a shame! You need to sit her down and teach her everything about islam and have her pray and recite the fatiha. https://islamqa.info/en/answers/5410/what-to-do-if-you-cannot-read-al-fatihah-in-prayer

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