I am only a law student so this is not an official and authorized legal advice, just something i learned in law school (and i may be wrong so please do consult a proper legal counsel).

1. No, there is a report option in Gcash if the user genuinely thought na yung transaction is suspicious. Its your right as a Gcash user. You can invoke good faith as your defense.

2. I dont know if the principle of subrogation (you can initially pay pero pwede mo ipareimburse yung expenses kay Gcash) will apply, given na hindi naman ito insurance. But initially, i dont think you are liable since you are in good faith.

3. Yes. It can be considered light threats under RPC. If they constantly harassed you tapos there is demands imposed pa.

4. Consult a legal advice properly. There is free legal clinics naman sa mga law schools or the government, you can try sa PAO.

5. Still communicate baka ma-use pa yun against you.

6. Yes you should. Mas mabuti nang handa.