It depends what kind of bones you're using, and if you're a member or not.
If you're f2p, then it would take a while to build up your prayer level.
If you're a member, then you can grind bones at Ectofuntus, or at a guilded altar at POH's.
So yeah I would say it's normal.
Simply pray at another altar. You will be asked if you either want to change prayer lists, or just want to recharge your prayer level. For a guide on how to increase your prayer level: http://gameolosophy.com/games/online/runescape/how-to-train-prayer-in-runescape
Roughly about 300,000.
if you plan on getting melee up, then yes, but it is VERY useful to have 44 prayer, (for anti-pjing, monster killing, increased max hits, etc)
It depends on how high your prayer level is.
There is something called a "Protect from Magic" Prayer. But you need a prayer level of 37.
2Mill
yes by getting up your strength def attack magic range and hitpoints .Also prayer, and summoning.
A pure
Bandits in the Bandit Camp in the Desert are great to train on as long as you have 43+ prayer and prayer potions.
Runescape money is used for several things throughout the game. One would need Runescape money for things such as skills, magic, firemaking and cooking, crafting and prayer.
I've left a link in the "Related Links" below
You can "scatter" it for Prayer Experience or you could just plain sell it.