That is a parable being told by Jesus. The parable is crafted to emphasize the point, not present facts.
Possibly, but one shouldn't ignore the fact that Y'shua is referencing a description of Hades from 1 Enoch, a book also quoted by Jude as a prophecy and referenced relatively frequently by the early church. It seems likely that at least some of Y'shua's listeners would have been familiar with the book, or at least its description of the after life, and would have seen it as not being purely allegorical.
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