Do we have a universal wallet that we can use to any bitcoin and alcoins?
I wish! Unfortunately, no. If you want to use a bunch of different altcoins and tokens you will need to download the respective wallet clients for each one, which can be a pain but that is how it is. It would be nice if there was a universal crypto wallet that could hold every coin/token. Oh well.
That would be a good idea but I am sure that putting up all the programming and infrastructure can be hefty and could take a long time to put up. I am so sure that there are already people who are also thinking of the same idea but I guess this is not an easy task to accomplish. Plus there are always the concern on security which is actually the top priority and when you have a big field to watch for there is a big tendency for lapses and weaknesses. However, hope there will really be a service like this for convenience of all crypto enthusiasts.