1. Sounds like your wallet is out of sync w the chain. Go to Neutrino peer settings and make sure your peers have ping times under 200ms or remove them. Then restart the app. Your balance should be reflected accurately. That being said, if it’s a force close it has to have the timelock expired if you were the initiator.

2. Invoice wrapping only works if you’re using it with the LSP. If you don’t want to use the LSP disable the toggle, and you can receive payments without being charged for new channels- but you are responsible for the channel management