Nope. In the event you are drafted you are subject to the rules of the CBA since the draft itself falls under the CBA.
Do you have a source to support this because the owners are talking about lowering existing contracts under the new NBA. I'm not sure how rookies who have yet to sign would somehow be invincible to CBA renegotiation, especially seeing how they probably would not have signed contracts before the CBA ended.
Yes, but you are forgetting that it's way easier for them to get loans/deferrals because of their high earning potentials. As a potential lender, I wouldn't pass on a chance to make some easy, low-risk investments into these players.
You should go look at the last NHL lockout. It broke the players and they had to cave because they could not afford to go any longer. As a result they ended up settling for less than the owners had first offered.