No not at all, if you are using in this way then might be banned from google...

Keyword anchor text is fine but don't use it for every link. Mix it up by linking the URL, long tail keywords, click here ect.

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Keyword ranking depends on the content itself and not in anchor text basis.

I think it's also useful now, base on your using. Use it carefully with mix up many kinds. It's also good.

of course not. if your are using it, google can banned your account.

It's harmful to your site. You might get banned by Google. It's really not advisable at all.

Your keyword ranking depends on how to use keywords in your content and make your keywords anchor text and also properly target keyword in blog, article and guest posting site