That depends if your newly-created account is somehow connected with a recently-banned account.Yes, You can use new account but new account get blocked very fast. So, Once you open new account wait for some time then start ad from that account..
Spot on. If you are doing things right... run ads amply to FB ad policy, you're 100% fine. Most people get ban by doing the wrong things. Liek run ads on verticals prohibited by FB.I have had my personal account for 6 years. If you don't plan on breaking the rules with your ads account then your ok.