Is the following wazifa correct?

Q: I have come across a wazifa which is for life without problems. In this wazifa we have to pray as follows"in every two sunnete mokayda,we have to pray suray kafiroon, suray asar and suray lahab, in the first rakat,and then suray ikhlas, suray falak and suray naas in the second rakat. Is praying this way allowed? If so, which surahs should we pray for the two farz rakah for farz salah seeing that all six final surahs have already been prayed in the sunnate mokeda of farz salah?

The importance of the Shar'iah

Q: 

  1. What is the importance of Islamic shariah?
  2. If a muslim says "what is shariah (as if he/she wants to comment that shariah has no importance) then what is comment as an Islamic Scholar.
  3. What if a muslim says some thing which is not in accordance with the Shariah rules of Inheritance?
  4. A muslim says that I cannot ask for my father's inheritance property because my mother and brother has taken care of that property. Please comment according to shariah.

Deriving benefit from the bank

Q: A person chooses to deposit his additional cash in the bank for safe keeping due to safety concerns. He has no intention of loaning these funds to the bank. Will these funds still be treated as a loan to the bank if he has no intention of loaning it to the bank at the time of depositing?