If the odds are great enough then I agree, and that is why I said increasing the size of memory space helps. Example, for a 128KB memory space with 32 KB memory banks then the odds will only be roughly 1/4 (actually the computation is more complex than that), not 2^-14.
No, no, no. Banks operate independently of each other.
But each bank can only have one of its 2^14=16384 rows active at any time.